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Cheap Car Insurance in Denver, Colorado

Looking to learn more about Denver and how you can get cheap car insurance? Well, Colorado's largest city and capital, Denver has a population of 634,265 as of the 2012 census estimate. Nicknamed the mile-high city, annual snowfall and mountainous terrain contribute to natural driving hazards. Which is why we'll make sure you have to proper car insurance coverage.

Cheap Car Insurance will compare auto insurance for you in Denver, Colorado. We will make sure to get you the best car insurance rates in town.

Driving Conditions & Hazards in Denver

Located exactly one mile above sea level, Denver includes mountainous terrain and snow. Low visibility in snow or rainfall can make it difficult to see oncoming traffic. Drivers must take precautions to drive safer under these conditions.

Odd or Unique Laws in Denver

Denver encourages the use of bicycles as a means of transportation. Recent legislation created a program for residents to share bicycles. Denver includes many bike paths and workers who commute via cycling. Another unique law, Colorado passed legislation in November of 2000 legalizing medical marijuana. With over 60,000 registered users in Denver, it is one of a handful of U.S. cities to include legal marijuana dispensaries. Internet rumors also claim Denver bans owners of black cars from driving on Sundays. However, no state law or official source confirms this urban myth.

Crime Rates in Denver

Auto theft is a major concern inside the city. According to FBI statistics, the city has the highest incidents per capita in the entire state. Deaths due to drunk driving are also higher inside the city. Based on the Colorado Dept. of Transportation statistics for 2012, more than half of fatalities (57.6 percent) were alcohol related. While there were only 33 auto fatalities in 2012, 19 involving alcohol, those numbers don't reflect drivers injured or hospitalized.

Safety Requirements in Denver

Seat Belt Law

An adult driver or front-seat passenger must wear a seat belt in Colorado. Violating this law can result in a fine of at least $65.

Regarding children riding in vehicles, the law is more complex, according to the Colorado State Patrol:

  • A child must ride in a rear-facing child safety seat until he or she is at least 1 year old and weighs at least 20 pounds.
  • A child 1 to 4 weighing 20 to 40 pounds must ride in a forward-facing or rear-facing child safety seat.
  • A child at least 4 and weighing over 40 pounds must ride in a child booster seat or be restrained with a child safety belt-positioning device. All children must ride in booster seats until age 8.
  • A child who is at least 8 must be properly restrained with a seat belt or child restraint system.

A driver found responsible for not properly restraining a child in a car can be fined at least $82.

Distracted Driving Law

State law prohibits texting while driving. A first-time offender can be slapped with a $300 fine. In addition, a driver under 18 cannot use a cellphone.

Helmet Law

Motorcycle operators and passengers 18 and over do not have to wear helmets, but use of a helmet by an operator or passenger under 18 is required.

In Colorado, bicyclists are not required to wear helmets.

Driving Under the Influence (DUI) Laws

Colorado’s impaired driving law covers two crimes: DUI (driving under the influence) and DWAI (driving while ability impaired). With a DUI, the legal limit for blood alcohol concentration (BAC) for a driver 21 and over is 0.08 percent; it’s 0.02 percent for a driver under 21. For DWAI, the BAC limit is 0.05 percent.

A first-time DUI offender faces a nine-month loss of his or her driver’s license, a fine of up to $1,000, a jail term of up to one year and up to 96 hours of community service. A first-time DWAI offender can be hit with 8 points put toward suspension of a driver’s license, a fine of up to $500, a jail term of up to 180 days and up to 48 hours of community service.

 
 

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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