Colorado insurance rates suck. No company will insulate you from it. Some just put it off longer than others. Colorado is almost 20% uninsured now too...so that doesnt help. Also, impact speeds are higher because no one pays attention. Higher speeds, more damage, more medical, etc. Now hail storms AND uninsured drivers on top? Dont forget the repair costs on all these new cars with massive tech. Those accident prevention sensors, back up cameras, 15+ computers on board, etc dont help either. Now the influx of people..
Yeah its good to have more paying in but 20% wont pay in and lets say 8k people move here in May, pay one month premium, then have 30k hail claim...that puts insurance WAY behind on those scenarios. Its a big mess in Colorado.