Colorado insurance is ridiculous. I research insurance every 6 months when its time to renew my policy and esurance is always the cheapest. I've found you can really reduce the premium by increasing your deductibles - I have mine all set to $2000. With esurance if you download the drive sense app on your phone it tracks your driving record and you get an additional discount based upon how safe it thinks you drive. But, the app is super annoying. If someone cuts you off (happens all the damn time in Denver) and you hit your brakes you get a ding for breaking hard. It says I am a high risk driver even though I never speed, leave lots of room in front of me, and have never had an accident.