The Most Important Types of Auto Insurance Coverage

 In Auto Insurance, Blog

It is illegal to drive without auto insurance. Luckily, there is no shortage of auto insurance to choose from which can be both a blessing and a curse. Competition helps drive down the cost of insurance, but in the race to sell the most, some policies leave the holder grossly underinsured. To get the right auto insurance, align yourself with an independent agent who can help you shop around wisely.

Every state has a minimum insurance requirement

Minimum insurance requirement for Colorado

Talk to our agents about the minimum auto and motorcycle insurance requirements for Colorado.

3 types of  auto insurance every driver should have

Bodily injury liability – protects the driver if they are the cause of an accident that causes bodily harm, injury, or death to another person.

Property damage liability – protect the driver if they damage someone’s property. Usually, it is the damage done to the other car in the accident, but it can also be other property. Like if you avoid hitting your neighbor’s cat by swerving directly onto their front lawn taking down their picket fence and destroying their prize-winning rose bushes.

Uninsured/underinsured motorist – despite the fact that driving without insurance is illegal and can result in the state impounding your car; many drivers choose to drive without insurance or with inadequate insurance. Don’t get stuck with the bill because of someone else’s negligence.

Auto insurance requirements Colorado

Every driver should have bodily injury liability insurance, property damage liability insurance, and uninsured/underinsured motorist coverage.

Colorado auto accidents

2015 was the deadliest year for car and motorcycle accidents with an 11% rise in traffic deaths since 2008, according to CDOT. The reason for the spike is unknown, but efforts have been put in place to raise awareness and increase safety efforts.

Independent insurance agents in Colorado

Talk to one of our agents about the best insurance for you and your vehicle. We can help you meet the minimum insurance requirements for your state and shop around different carriers to get you the right insurance, not the cheapest insurance.

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