Nope, but it’s not handed to you either.
Most people don’t even check other options.
Asking for discounts actually works!
More accidents & car thefts than other states
Hail and snow cause serious damage
– Cities like Denver have tons of claims
Yup, younger folks usually pay the most
If you’re 30–60, you’re in the sweet spot
Over 65? Sometimes rates go up again
100%. Some areas have more accidents
Living in busy city = likely higher rate
Even the crime rate in your area matters
Sadly, yes. Lower credit = higher cost
Insurers think it tells them your risk level
– It's legal in Colorado, unlike some states
– Shop around. Seriously, don’t stick to one.
– Bundle with your home/renters policy
– Ask for every discount possible
– Start with State Farm, GEICO, or even USAA
– Some small local insurers have better deals
– It really depends on your age, car, ZIP