Car Insurance Quotes

Top two reasons to buy auto insurance from our agency are:  

• Understanding what you are buying in order to protect your assets.
• Competitive prices available through numerous discounts such as package, longevity, accident free, QBE Farmers Union membership, good student, defensive driver, multi-vehicle, fleet and paid in full.

Colorado Auto Insurance

Three common questions asked about Auto Insurance are:

• Do you provide rental car coverage? Yes.  However, it is important to know that even though we provide coverage for damage to your rental car, it doesn't always include loss of use.  You should check with the rental car company to see what additional coverage would cost in order to avoid this costly expense.
   
• Why do I need uninsured motorist BI and PD coverage? It does seem a little unusual to buy insurance for the uninsured.  However, what you are really buying is protection for yourself in the event the accident is caused by the uninsured motorist so you can have your losses paid for by a reputable insurance company instead of going through small claims court to try to get payment for your losses.
   
• If I buy a car over the weekend, do I have automatic coverage on the new vehicle, even though I haven't had a chance to talk to you? Yes, you have automatic coverage on the new vehicle as long as you let me know within 30 days of the purchase.

Colorado State minimums for BI/PD are 25/50/15 and are far from being adequate to protect you in the event of an at fault accident. If you were at fault, this limit of coverage provides only 25,000/person, 50,000/accident medical and only 15,000 property damage.  That means if you were at fault in the accident and the other person/persons in the other car incurred $75,000 in medical bills and they were driving a vehicle that was valued at $25,000 that you would still be liable for the additional $25,000 in medical bills as well as the additional $10,000 to pay for their vehicle that was totaled.

Uninsured BI/PD, Medical payments and rental coverage and towing. Uninsured motorist BI/PD, is important because a large number of drivers still choose not to carry auto insurance. It covers medical payments to aid in paying you and your passengers for injuries sustained in an accident. Rental & towing aid in payments for the expense of renting a car should yours end up in the body shop plus the inconvenience and costly expense of needing to be towed.

I recommend to my clients that the limits of coverage they choose should be based on what they stand to lose and what are they able to afford to protect themselves. For example a new couple just starting out, without a lot of assets could possibly get by the 100/300/100, whereas an older couple with a sizable estate would be more likely to need to purchase much higher limits and possibly even an umbrella. I also like to give my clients practical examples of potential accidents thatcould occur and help them to decide, based on what they feel like they can afford, what would be appropriate coverages for them.

What our auto insurance customers are saying about us:

• "Your examples of how coverage's work were very helpful in helping us to understand what we really needed to buy."
• "After all the years that I've bought auto insurance, this is the first time I really understand what I'm protecting."

To have us provide a quote for any of these services, please call us directly at (970) 352-6448  or fill out our online quote request form and we will get right back with you.