Terri Coulter Insurance Agency
Terri L Coulter
276 E Kiowa Ave Suite 200 PO Box 2642
Elizabeth, CO 80107
Email Me
Terri L Coulter
276 E Kiowa Ave Suite 200 PO Box 2642
Elizabeth, CO 80107
Email Me
Phone: (303) 646-2180
Cell Phone: (303) 726-1506
Fax: (303) 621-2185
Office Hours:
8:30 - 4:30, M-F; Evenings & Weekend by Appt
Cell Phone: (303) 726-1506
Fax: (303) 621-2185
Office Hours:
8:30 - 4:30, M-F; Evenings & Weekend by Appt
Car Insurance Quotes
A primary vehicle, farm, commercial, motorcycle, watercraft or recreational vehicle, it doesn't matter. We can provide vehicle insurance coverage to fit your needs and budget. We do our best to go above and beyond your expectations and to meet your specific needs.
When you purchase vehicle insurance through us, we want to make sure you understand the coverage you are receiving. For example:
Do you know what the required Colorado minimum limits of liability insurance are? The answer is 25/50/15.
To break down this coverage:
- $25,000 medical per person, in the other vehicle, is the most that will be paid in an accident caused by you.
- $50,000 is the total amount of medical coverage for injuries to people in the other vehicle, from an accident caused by you.
- $15,000 is the total amount your insurance company will pay for vehicle repair/property replacement resulting from an accident caused by you.
What does this mean to you? If one person’s medical expenses are higher than $25,000, or the total in medical costs are more than $50,000, or the vehicle damage is valued higher than $15,000, the most the insurance company will pay is 25/50/15. Any unpaid balance is your responsibility.
Liability coverage does not provide money to pay for you, others in your vehicle, nor your vehicle.
Colorado Car Insurance
Other coverages available with additional premium but not required are:
- Comprehensive – This insures you against damage to your vehicle caused by acts of nature, collision with an animal, theft, or damage other than collision. Usually insureds select a deductible, for which they are responsible, to offset the expense of this coverage.
- Collision - This insures you against damage to your vehicle when you are involved in an accident. Insureds usually select a deductible, for which they are responsible, to offset the expense of this coverage.
- Uninsured/Underinsured Motorist – This protects you and occupants of your vehicle when you sustain bodily injuries in an accident in which the owner or operator of the other vehicle is legally liable and does not have any or enough insurance to cover the expenses incurred.
- Medical Payments – This pays for you and your occupant’s medical expenses, up to the limit you purchase, if you are in an accident. As of January 1, 2009 it is mandatory that $5,000 Medical Payments is included on your policy unless a rejection of coverage form is signed.
- SR22, or not the best driving record? No problem. With us there are always many options and companies to choose from.
Frequently when quoting insurance we are asked if the limits that potential customers currently have are enough. With the rising costs of medical expenses and the value of automobiles, what was considered enough coverage in past years might not be sufficient today. Our agency will thoroughly explain the options available to you.
One or more of the following discounts can save you dollars:
- Proactive Clients - For new clients who get a quote eight or more days prior to their existing policy expiration
- Pre-paid Premiums - Save as much as 20 percent when you pay your entire term premium in one payment
- Safe Driver Discounts - For having an accident-free driving record
- Teen Drivers - We offer a special program tailored just for new drivers.
- Accident Forgiveness - After four years, we reward you by waiving one accident
- Multi-Car and Fleets - Available to clients who insure two or more vehicles, or five or more for fleets
- Packages - Along with your autos, insure your home, farm or business with us and get a discount for multiple types of policies
- Senior Citizens - Available on private passenger cars and pick-up trucks, when at least one driver is age 50 or older and there are no drivers under age 25
- Good Students - Available to unmarried operators, under age 25, who are full-time students
- Client Longevity - Not only do we give you credit for being continuously insured with us, we also offer a discount if you were insured with your prior carrier for three or more years.
While QBE Farmers Union Insurance is our preferred company, and usually has the best rates, we do offer coverage through several other excellent companies:
- The Hartford
- Progressive Auto Insurance
- Safeco
- Viking Auto Insurance
- Foremost
- Dairyland
- American Modern
- Travelers
- Mendota Auto Insurance
- Bristol West
We do our best to provide you with the coverage you require based on your current needs. And whenever you need to contact our agency, you not only talk to a real person, but you also know that person you converse with. Our agency is available to you at any time of day, whether in the office or by cell phone.
Here are some auto-related links you may find useful:
To have us provide a quote for any insurance products, please call us directly at (303) 646-2180 or you can use the online quote request form and we will get back with you promptly.
| Terri Coulter Insurance Agency 276 E Kiowa Ave Suite 200 PO Box 2642 Elizabeth, Colorado 80107 Serving "Building Stronger Communities" in Elbert and surrounding counties Phone: (303) 646-2180 Cell: (303) 726-1506 Fax: (303) 621-2185 Email: coulterins4u@yahoo.com Website – www.FarmersUnionInsurance.com/tcoulter |
