Best Cheap Auto Insurance in Colorado Springs 80919

Are you wanting cheaper auto insurance in Colorado Springs? Auto Insurance Center is here to provide you with the best cheap auto insurance rates and help you learn more about your city.

Colorado Springs is known for its mountain scenery, world-class ski resorts and proximity to Pikes Peak.

First inhabited by Arapaho, Cheyenne and Ute Native-American tribes, settlers came to the area after the Louisiana Purchase in 1803. Explorer Zebulon Pike traveled to the area and discovered Pikes Peak, which later was named after him.

The first town in the area was named Colorado City and became a territorial capital. It was renamed Colorado Springs and was incorporated as a city on June 19, 1886. The population grew thanks to its beautiful scenery as well as the railroad and gold that was discovered on the western slope of Pikes Peak.

During World War II, the U.S. Army opened Camp Carson, creating what is now a strong military presence in the region. The United States Air Force Academy was built just outside of Colorado Springs in 1954.

Colorado Springs attractions include: Pikes Peak, Garden of the Gods, Old Colorado City, Air Force Academy, Manitou Springs, Cheyenne Mountain Zoo and the Colorado Springs Pioneers Museum.

Colorado Springs is the headquarters of the United States Olympic Training Center and United States Olympic Committee. In addition, Colorado Springs has hosted the U.S. Figure Skating Championships and the World Figure Skating Championships over the years.

Colorado Springs Driving Conditions

Colorado Springs is defined as semi-arid climate. The annual high temperature is 62.1 degrees and the annual low temperature is 35.8 degrees. The summer months are warm, although because of elevation, temperatures drop below 70 degrees at night. The winter months see moderate snowfall, with March having the most snow. However, because of the direct sunlight the area receives snow melts at a quicker rate.

Drivers should be wary of falling rocks and unpredictable wildlife in the area. When driving on steep terrain, shift to a lower gear in your car when traveling downhill. Also, keep in mind that Colorado law mandates that vehicles going downhill must always yield to those coming uphill.

Crime Statistics

According to the 2015 Crime in the United States report, Colorado had 144,136 accounts of property crime and 16,000 accounts of vehicle theft. Within cities and metropolitan areas in Colorado, vehicle theft was reported 15,355 times.

Colorado Driver’s Licence

As a legal resident of Colorado, you’ll need to obtain a Colorado driver’s licence. Those with a valid out-of-state driver’s licence are not required to take a knowledge or skills exam.

When you visit the DMV, bring your valid out-of-state driver license, proof of U.S. residency (birth certificate, passport, etc.), proof of your Social Security number, two forms of proof of Colorado residency and pay the application fee.

Seat Belt Laws

Colorado law requires drivers and front seat passengers to buckle up. This is a secondary offense, meaning a driver must be stopped for another offense before receiving a ticket for a seat belt violation. The minimum fine is $65.

Colorado’s child passenger safety law says that children ages 1 to 4 years old who weigh 20-40 pounds be restrained in a forward-facing or rear-facing child safety seat. Children who are 4 years or older and weigh more than 40 pounds must be properly restrained in a child booster seat. Children must ride in a booster seat until age 8.

This law is a primary enforcement action, meaning drivers can be pulled over and ticketed for violating the child passenger safety law.

Cell Phone & Texting Laws

In 2009, Colorado created a new law where drivers under age 18 cannot use a cell phone while driving.

Driving while texting is against the law in Colorado. Fines range from $50-$300.

Odd Law

In Colorado, it is illegal to ride a horse while under the influence.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.