Residents of Grand Junction, Colorado--which sits at the nexus of two powerful rivers, the Gunnison and the Colorado--understand risk intuitively. From the wilds and canyons of Colorado National Monument to the exotic farmland of Grand Valley, Grand Junction presents a nearly endless variety of terrains, dangers, and opportunities. Unfortunately, many homeowners and residents of this former frontier town get thrown off their horses when they explore the Wild West of Grand Junction insurance rates. Literally hundreds of insurance companies compete to supply the needs of Grand Junction's citizens. Even the town's two great rivers have trouble drowning out all the noise these competing companies make. To turn down the noise and turn up the signal, use NetQuote to collect and focus on the Colorado insurance info that matters to you.
The Mesas and Canyons of Grand Junction Insurance
According to the Insurance Information Institute, an independent association, Coloradoans paid an average of $738 on car insurance in 2007--ranking 24 out of the 50 states. For three decades, Colorado was a No-Fault state for car insurance. But effective July 1, 2003, the Colorado legislature shut down the No-Fault system and instituted a Tort system in its place. This newer system requires drivers who cause accidents to pay for damages, medical expenses, and other claims. To protect themselves financially from paying out Tort claims, insurance companies in the state now encourage drivers to carry more than the minimum coverage. That said, Colorado law does not require either collision or comprehensive coverage, and drivers do not have to carry uninsured or underinsured motorist coverage.
Colorado's libertarian streak can also be seen in the state's position on the grace period for late premium payments. If you miss your payment even by a single day, according to Colorado statute, your insurer can begin charging higher premiums, and you may even face a coverage lapse for your payment lapse. That said, you must carry a minimum of $50,000 coverage for bodily injury (accident), $25,000 for body injury (person), and $15,000 for property damage.
Collecting Diverse Grand Junction Insurance Quotes
If you collect and sift through Grand Junction insurance quotes one by one (for instance, by calling insurers individually or even by visiting their websites), you can waste days if not weeks that could be better spent earning money, tending to your ranch, or even lollygagging on a raft down the Colorado. NetQuote offers a free and efficient way to join together your Grand Junction insurance quotes to provide a complete information solution. Just fill out the form online, and you'll quickly gain access to quotes from over 100 top-rated insurers. By comparing rates and service providers laterally against one another, you can cleanly analyze your options. Home, life, auto, and other insurance markets fluctuate wildly from day to day. So NetQuote's real time apples-to-apples comparison shopping offers huge advantages.