Around 300 days per year, Coloradoans can enjoy sunshine-filled days hiking through wildflower-filled meadows in the majestic Rocky Mountains, and with a happening downtown scene and top-notch shopping and cuisine, you can have it all in The Centennial State. You can have all the auto coverage you desire as well, but if you don't shop around you could wind up paying more than necessary for Colorado auto insurance. Increasing your coverage may cost a lot less than you might expect especially if you take advantage of discounts available to you.

Community Services
Cut back on driving, use public transportation and see savings on your auto insurance premium. Agents take into account the amount of time you spend driving and where you drive when determining your Colorado auto insurance rates. Utilizing Colorado's public transportation system also reduces greenhouse gases, conserves gasoline, stimulates economic growth and lowers your annual mileage. People who use public transit in the Denver metro area save an average of $9,653 annually, according to the American Public Transportation Association. You will also save money on parking by using public transit. The average unreserved monthly parking rate for a space in a downtown business district is $154.23, with an overall annual cost of $1,850, according to the 2009 Colliers International Parking Rate Study. Too boot, riding the bus or light rail protects your vehicle from vandalism and theft which adds more savings on your Colorado auto insurance rates.

More Ways to Save
You can stumble upon savings on your Colorado auto insurance rates no matter where you live in The Centennial State. Your driving record and credit score take time to establish and may need some improvement, but taking advantage of your insurance company's discounts can still reduce your premium. Most Colorado auto insurance companies offer discounts to senior citizens, to those who take an accident prevention course, and to those who combine their auto and homeowners insurance policies. If your car is equipped with safety features such as anti-theft devices, tracking devices, anti-lock brakes, airbags, or automatic seatbelts you can expect a lower rate. Raising your deductible will also garner savings.

The Law
Colorado state law requires you to purchase minimum liability insurance in the amounts of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. However, insurance companies recommend you increase your liability coverage to at least $100,000 per person and $300,000 per occurrence. The Insurance Information Institute believes one out of every seven drivers in the United States have no auto insurance. Talk to your Colorado auto insurance agent about adding uninsured and underinsured motorist coverages to your policy if you have not done so already. Your premium will increase slightly but these coverages are worth the extra cost if you are involved in an accident in which the other driver doesn't have the coverage to pay for your medical bills and lost wages.

Use Your Assets
Hit the slopes, take a hike or just relax and take in the awesome beauty of Colorful Colorado and put your insurance search in the hands of LocalInsurance representatives. This free service can gather several quotes for Colorado auto insurance rates from numerous competing companies in your area. In no time you will have the best, most-affordable coverage available to you.

To find more information on the auto insurance requirements in Colorado, visit these useful links: