Car Insurance Quotes

Frequently we’re asked “What is considered an auto?” and “What is insured on an auto policy?” The quick answer to the first question is “things with wheels and a serial number”. 

• Liability, Bodily Injury - Pays for bodily injury to others, up to the liability limit selected, for which an insured is legally liable because of damage arising out of the ownership, maintenance or use of a car. Limits available: $25,000/50,000, $50,000/100,000, $100,000/300,000, $250,000/500,000.
• Liability, Property Damage – Pays for damages, up to the liability limit selected, for which an insured is legally liable because of property damage arising out of the ownership, maintenance or use of a car. Limits available: $25,000, $50,000, $100,000, $250,000, $500,000.
• Uninsured Motorist, Bodily Injury – Pays for bodily injury caused by an uninsured/underinsured driver.
• Uninsured Motorist, Property Damage –Pays for vehicle damage caused by an uninsured/underinsured driver. (This coverage is not necessary if you carry Collision).
• Medical Payments – Pays for an insured’s reasonable medical expenses (up to the liability limit chosen) for bodily injury. Limits available: $5,000, $10,000, $15,000, $20,000, $25,000

• Comprehensive –   Pays for the repair or replacement of a car when damaged by certain causes, such as fire, explosion, theft, windstorm, hail, flood, vandalism, or animal.
• Collision – Pays for the repair or replacement of a car, up to actual cash value, in the event of its overturn or collision with another object.
• Roadside Assistance/Towing – This service covers towing your vehicle to the nearest repair shop, bringing you gas or a tire, jump-starting the battery, or 1 hour of repair. It can be used on asphalt highways; don’t call if you are 4-wheeling in the Holy Cross Wilderness and lose a wheel!
• Rental Car – This coverage provides a replacement while your vehicle is being repaired from a collision. Coverage is selected by a dollar limit, i.e. $35/per day for a total allotment of $1025. Higher combinations are available.

• Additional equipment – this can be a camper shell, light bars, add-on trim that increases the replacement cost of the vehicle. If not indicated, it will not be replaced.
• Gap Coverage – If your vehicle is a total loss in an accident, you will receive the depreciated value of the vehicle minus the deductible. If your loan is greater than the depreciated value, GAP coverage will pay you the amount the value is short of the loan value, or loan amount - depreciated value = gap. Typically this coverage is not needed unless you financed a new auto.
• Accidental Death and Dismemberment – additional cash if you are seriously injured in an auto accident. Generally this amount starts at $5,000 and can go as high as $25,000.

• Multi-car (more than one auto)
• Multi-line (more than 1 type of insurance with the same company, i.e. auto, home, commercial, life)
• Fleet (5+ autos and/or trucks)
• Good Student (3.0+ within the last year)
• Defensive Driver – Refresher course for those over 55 years old
• Driver Training course – a discount for someone under 21 who completed a driving course: text-learning and hands-on training
• Safety/theft features (keyless entry, alarm, theft disablement, VIN-etching)
•  Low-mileage use – if you drive a vehicle less than 5000 miles per year, it may qualify for a reduced price

• Verify Vehicle Information at Carfax - http://www.carfax.com/
• Renew your State of Colorado License Plates Online – http://www.colorado.gov/renewplates
• Kelley Blue Book Values - http://www.kbb.com/
• NADA Pricing & Values - http://www.nadaguides.com/
• Arapahoe County Motor Vehicles - http://www.co.arapahoe.co.us/Departments/CR/MotorVehicle/index.asp

                                          Call us directly at (303) 695-6220 to receive a quote!