Find out how much Progressive DUI insurance rates Colorado are after DUI/DWI conviction. If you have a DUI on your record, chances are you will never find a lower rate in CO than Progressive.
Progressive Insurance Cost In CO After DUI
When you have had a DUI or DWI in CO there are some challenges and issues that crop up when you try to get insurance coverage. One of the biggest insurance providers out there is Progressive, and with all of the television and radio commercials they do, many people who have a DUI in their past history may want to get a quote from them.
But does Progressive provide CO auto insurance for those who have had a DUI, and if so, what sort of restrictions are there? We will cover everything that you need to know about Progressive DUI insurance rates Colorado below, as well as discuss pricing and options.
Does Progressive Offer DUI-Friendly Insurance?
You can definitely get DUI friendly insurance from Progressive if you know where to look. However, there are going to be some restrictions. Progressive says that if you have a DUI in your driving record, it is very likely that your insurance premium will be increased. Of course, Progressive is not the only insurance company with that policy. People who have a history of driving under the influence are considered a higher risk than those who have not been caught doing it.
Just like with any other driving violation, Progressive looks at your driving record to discover what your history looks like. If you have a DUI on your record, it is going to have an effect. You are also going to see your premium be affected if you have other driving violations such a speeding, running stop signs or any driving behavior that is considered unsafe. Progressive DUI insurance rates Colorado are still less than most other companies.
If you only have a couple of tickets over a long period of time, your insurance premium may not increase at all, or only by very little. However, that is not going to be the case with a DUI. if you have a CO DUI on your record, then it is almost a certainty that your rates are going to be higher. The nice thing is that Progressive will insure you if you have had a DUI or DWI. That is not the case with every insurance company. There are quite a few of them out there that will not insure you at all if you have a driving-under-the-influence conviction on your record. Even though you may have to pay more for Progressive DUI insurance rates Colorado, at least you are able to get insurance and keep driving your vehicle, as long as your state allows it.
One thing that you should be aware of is that you may have to go with high risk insurance called SR-22. SR-22 insurance is a type of insurance that the state requires when you have a risky driving history. This is not usually a determination made by the insurance company. It is usually a decision that is made by the courts, or by the policies of the Department of Motor Vehicles. How long you have to carry SR-22 insurance varies depending upon the policies of CO. It may also be based on the circumstances surrounding your conviction.
You do want to be aware that with one DUI conviction, you can still get insurance, even if you have to pay a little more for Progressive DUI insurance rates Colorado. However, if you get more than one DUI/DWI conviction than you may have a very difficult time getting insured by anyone. An accident can cost an insurance company a great deal of money, not to mention the risk to injury potential injury to other drivers involved. The way that insurance companies make money is by betting that you aren't going to have an accident. If you have two or more DUI convictions, then you have established a pattern and you will probably be uninsurable until you take drastic steps to correct the problem.
Progressive DUI Insurance Rates Colorado - The Bottom Line
We hope this article on how much Progressive DUI insurance rates Colorado are after a DUI or DWI has been informative. The bottom line here is the Progressive is a fair insurance company that will give you the best rate possible even if you have had a DUI in the past. Plus, once you have recovered from that incident and you can show that it isn't going to happen again, and then it's very likely that Progressive will go ahead and lower your rate and get you back to what you were paying before. When that happens, you won't have to worry about the DUI affecting your rate again.
EK Insurance is a licensed & appointed with Colorado Progressive Agent, and can get you DUI or DWI insurance quotes.
CO DUI Insurance Quotes
Request a Colorado DUI Insurance quote in Alamosa, Arvada, Aurora, Boulder, Brighton, Broomfield, Castle Pines North, Castle Rock, Canon City, Centennial, Colorado Springs, Commerce City, Craig, Delta, Denver, Durango, Englewood, Erie, Evans, Federal Heights, Firestone, Fort Collins, Fort Morgan, Fountain, Frederick, Fruita, Glenwood Springs, Golden, Grand Junction, Greeley, Greenwood Village, Johnstown, Lafayette, Lakewood, Littleton, Lone Tree, Longmont, Louisville, Loveland, Montrose, Northglenn, Parker, Pueblo, Rifle, Steamboat Springs, Sterling, Superior, Thornton, Trinidad, Westminster, Wheat Ridge, Windsor and all other cities in CO.
Colorado Insurance Regulations & Limits
When it comes to insurance regulations in Colorado, there are a few things that you want to be aware of. Let's take a look at the laws and rules surrounding insurance in CO.
Colorado Commercial Insurance
The most common type of business insurance is liability insurance. Commercial liability insurance is required to cover things like property damage, bodily injury, personal injury, advertising injury and legal defense and judgments. Colorado is a fault state, and businesses are not required to carry liability insurance in order to operate. There is a cap on damages that are not economic set at $468,010 with a higher limit set at $936,030 for non-economic damages in which it can be proven that the original damage amount is too low. However, these cases are rare.
Punitive damages in exemplary damages are almost unheard of in Colorado, but there is no limit on economic damages. The statute of limitations to file against types of damages is two years - or three years if the damages were sustained in a vehicle. Most experts recommend the businesses carry anywhere from $500,000 to $1 million in general liability coverage.
The only other requirements for businesses that you need to be aware of is the requirement for any business that hires hourly or wage employees to carry Worker's Compensation insurance and for those same companies to have minimum insurance coverage on their vehicles which for a vehicle used for business purposes means that you will have to purchase a commercial auto insurance policy.
CO Personal Insurance
The most common type of personal insurance is the one that everyone is required to have - auto insurance. The law requires that you have at least $25,000 per person and at least $50,000 per accident in liability insurance; as well as an additional $15,000 for property damage. These are the main regulations covering auto insurance in Colorado and they are very similar to the regulations found in most of the other states.
The only additional regulation that you need to be aware of when it comes to personal insurance has to do with life insurance. If you have life insurance, your insurance provider is required to give you a one month grace period before they can cancel your policy due to nonpayment. This protects consumers against having policies canceled due to having a late payment. This is the only regulation you should know when it comes to life insurance.
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