Welcome Colorado consumers. We understand the concerns that you have
trying to get insurance when you have had a few tickets or accidents
or even some credit problems that may put you and your family in
need of a State Mandated Insurance Plan to secure insurance coverage
This website will help you locate the appropriate insurance that you need regardless of what insurance record you have had. Colorado Certified Producer Agents are available to help you.
More Resources
CO Executive Resources
Attorney General's Office
1525 Sherman Street, 5th Floor
Denver, CO 80203
Phone: 303-866-4500
FAX: 303-866-5691
Email:
attorney.general@state.co.us
Department of
Education
201 East Colfax Avenue, Room 500
Denver, CO 80203
Phone: 303-866-6646
FAX: 303-830-0793
Email:
moloney_w@cde.state.co.us
Governor's
Office
136 State Capitol
Denver, CO 80203-1792
Phone: 303-866-2471
FAX: 303-866-2003
Email:
governorowens@state.co.us
Lieutenant Governor's Office
130 State Capitol
Denver, CO 80203
Phone: 303-866-2087
FAX: 303-866-5469
Email:
LtGovernornorton@state.co.us
Secretary of
State's Office
1700 Broadway
Denver, CO 80290
Phone: 303-894-2200
FAX: 303-869-4860
Email:
elections@sos.state.co.us
Treasurer's Office
140 State Capitol
Denver, CO 80203
Phone: 303-866-2441
FAX: 303-866-2123
Email: Mark.Hillman@state.co.us
Legislative Resources
Legislative Council
Room 029
State Capitol Building
Denver, CO 80203
Phone: 303-866-3521
FAX: 303-866-3855
State House of Representatives
Colorado State Capitol
200 East Colfax
Denver, CO 80203
Phone: 303-866-2904
State
Legislature Home Page
State Senate
Colorado State Capitol
200 East Colfax
Denver, CO 80203
Phone: 303-866-2316
Voting Record and Bill Status Information
Judicial Resources
Judicial Branch Home Page
State Court of Appeals
2 East 14th Avenue
Fourth Floor
Denver, CO 80203
Phone: 303-837-3785
State Supreme Court
2 East 14th Avenue
Fourth Floor
Denver, CO 80203
Phone: 303-837-3790
Election Resources
Elections Center
Suite 200
1700 Broadway
Denver, CO 80202-5169
Phone: 303-894-2200
FAX: 330-869-4861
Email:
elections@sos.state.co.us
Local Election Offices
Secretary of State - Campaign Finance
Suite 200
1700 Broadway
Denver, CO 80202-5169
Phone: 303-894-2200
FAX: 330-869-4861
Email:
elections@sos.state.co.us
COAIP ARAIP- PAIP- CAIP-A IP Assigned Risk or High Risk auto residual insurance markets consists of licensed drivers unable to purchase auto insurance through the Voluntary Market due to a variety of factors, such as their driving history, accident history or status as a first-time driver. The CO Car Insurance Assigned Risk or CO High Risk Auto Insurance often charges higher rates in your state, and is a last resort for licensed drivers that cannot obtain car insurance coverage elsewhere in the Colorado preferred or voluntary auto insurance marketplace. To combat soaring insurance prices experts recommend educating yourself and then obtain Colorado Car Insurance quotes from at least two sources. Call if you need help (469) 546-0021.
Why would my Colorado auto insurer cancel my policy?
Technically, in most states your insurer may cancel your policy only if:
you fail to pay your premium;
you lose your driver's license;
you are guilty of material misrepresentation during the application
process i.e., you fail to notify your insurer of a recorded violation,
such as a drunken driving, or possession of drugs or any illegal
activity offense; or
you fail to report a substantial change of risk, such as buying a new
high performance sports car to replace an old high mileage family sedan.
However, your insurer can choose not to renew your policy for a variety
of reasons.
Do you have a bad driving record? Have you received a lot of speeding
tickets? Have you ever been caught driving drunk? Not only are these
scenarios considered unsafe and illegal, they are justifiable cause for
your insurer to label you a bad risk and refuse to renew your policy.
Some underwriters may feel compelled to cancel policies after only one
accident.
Where do you live? Has the neighborhood changed in the last few years?
Have the accident or crime rates risen noticeably? As regions are
reassessed periodically, their status could change and you could
suddenly find yourself living in a higher risk area, where your
insurer's rates may not be adequate to cover losses.
What do I do if my Colorado insurance Company cancels or refuses
to renew my policy?
Even "good" drivers can find themselves in the position of being dropped
by their current carrier. Reasons range from a couple of moving
violations, or multiple accidents, or other serious violations that make
you a high risk to situations outside your control, such as when
insurers in your state are suffering severe business losses. Overall
rises in claims or losses can cause insurers to become highly selective
in determining whom they can afford to offer to insure.
That is why it is important to note that if you are licensed to drive,
by law, you are eligible for insurance. However, your options for new
coverage may be limited. Each state has created and regulates a market
of last resort for those who cannot otherwise obtain coverage. These
groups have various names, depending on the state you live in, such as
assigned risk auto insurance plans or the residual market, or the high
risk pool. Your agent or insurance producer will know more about the
particulars in your state.
Regardless of the reason you were dropped or canceled by your insurer,
you need to act immediately to get another policy. Under no circumstance
should you drive your vehicle without knowing one hundred percent that
you have current insurance. Call your local agent to help you find new
coverage. If you do find yourself in the assigned risk residual market
pool, the price may be higher but it may be your only alternative in
maintaining your freedom to drive.
How do I keep my CO insurance company from canceling my policy?
The most obvious way to maintain your low risk status is to keep a clean
Colorado DMV driving record. If you've been in an accident, consider
taking a defensive driving course. Even those of us who have been
driving for years rarely know the simple tricks to preventing accidents
through defensive driving.
Also, look into purchasing special safety and security features for your
car, such as anti-lock brakes and an alarm system, or try OnStar. Your
COAIP insurance agent can give you further tips on how to convince your
insurer you're a safe driver.
What steps can I take to reduce my CO Car Insurance rates?
Colorado Insurers often discount their rates in order to encourage good
driving practices and the use of safety and security precautions.
Depending on the insurance company, you can often lower your rates from
5 to 55 percent.
Sometimes the investment you make in your vehicle is worth the discount,
and sometimes it's simply worth some peace of mind. For example, the
purchase of anti-lock brakes merits a discount from nearly every
insurer, but the discount probably will not pay for the brakes which
cost several hundred dollars during the normal life of your vehicle.
Anti-lock brakes are touted, nonetheless, as a life-saving feature and
deserves serious consideration when safety is a top priority. Insurers
generally offer discounts for:
Safety Features Anti-lock brakes, air bags and passive restraint systems
i.e., automatic seat belts.
Defensive Driving Clean violation record, driver's education courses for
teenagers and defensive driving or accident prevention courses for
adults insurance discounts for the latter are required in some states.
Security Systems Alarms, electronic locks, VIN etching and automotive
disabling devices.
Changing The Driving Habits Try commuting by public transit, using a
company vehicle for work-related travel and car-pooling.
Formal Agreements Not to Drink and Drive The availability of a discount
for signing such an agreement varies among insurers and states, however
is a powerful idea that works.
Buying Home Owners and Auto Policies from the Same Company If you own a
home and an auto and you are insured by two different companies, check
into the cost of carrying both policies by one insurer. Your agent can
give you guidance as to which insurers offer discounts. This will always
offer your the best buy, so put it in your corner when shopping for
rates
You can also lower your insurance rates by requesting higher
deductibles, which is the amount of money you pay out of pocket before
you make a claim. Increasing your deductibles on collision and
comprehensive coverage from $100 to $250, or even $500, will bring your
rates down. Moreover, you may not need collision and comprehensive
coverage if you drive an older car. Ask your agent which discounts are
available to you.
Finding the best coverage and lowest prices for Auto insurance in
Colorado is not that difficult to shop for. Rates vary widely from
company to company. To help make shopping, comparing rates and saving
money on your insurance easier, Assigned High Risk Insurance
Organization provides free auto insurance comparison rates 24 hours a
day, seven days a week. Get competitive non biased help with Receive a
quote from our consumer comparison rating service any time day or night,
over the Internet. Spend a couple of minutes answering a few questions
about yourself, your driving record, vehicle information and insurance
needs. Local Assigned Risk Insurance Agents will tell you how much their
company would charge you for an annual premium for your auto insurance,
in addition to rate comparisons from other major auto insurers including
most household name brand insurance companies in your specific zip code.
Getting yourself out of the high risk insurance or assigned risk driver
pool category is going to take a little time. You may need to consider
the following, cleaning up a bad driving record and paying your bills on
time. And some factors will fade with time. Most insurance companies
rate a driver with no points for three years as a good or preferred
risk. But there are a few things you can do to cut high risk auto
insurance costs now! Consider driving an older car and dropping
collision and comprehensive coverages. Or, if you can accept the risk,
carry lower amounts of other standard coverages.
And don't forget that shopping online is a great way to access assigned
risk auto insurance PAIP certified producers and companies that serve
Local Consumers in our area. You may even be able to comparison shop
between several offers. If you get a FREE QUOTE from each of the
national quoting services you will have the best service from someone
Local in your area.
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