Most of the time, your morning commute is perfectly safe. Unfortunately, from time to time, another driver, poor road conditions, or bad weather can cause you to end up in an accident. Even if you do your best to drive safely, then, it's crucial to have auto insurance. Plus, because insurance is legally required in the state of Colorado, it isn't something you can afford to not have.
While it's true that every person should have auto insurance, just how much should you have? Based on your specific situation, do you need optional coverage or just the bare minimum?