The more time you spend on the road, the more you need auto insurance coverage to protect you against the risk of accidents. Your choice of coverage will depend a lot on your driving habits, personal lifestyle, type of vehicle you drive and its value. At Anderson Atwood Consulting, we offer diverse auto insurance packages to meet your driving needs. Here’s what you should know about auto insurance in Colorado.
Types of Coverage
Standard auto insurance policies offer the following coverage options:
- Uninsured/underinsured Motorist
Liability – Auto liability insurance is mandatory in Colorado for all vehicle owners. Liability insurance helps pay for injuries or property damage to others in accidents you cause. Colorado sets minimum limits on liability coverage which may be insufficient to compensate others for serious accidents you may cause. By obtaining more than minimum liability coverage, you gain extra protection against accidents that cause severe injuries or property damage to other drivers.
Collision & Comprehensive – Collision and comprehensive insurance are optional in Colorado. This coverage is designed to protect your vehicle against theft or damage. Collision covers damage to your vehicle caused by hitting another vehicle or object such as a tree or fence. Comprehensive insurance compensates you for vehicle theft and damage caused by non-collision incidents like falling objects, animal strikes, vandalism, and bad weather.
Uninsured/underinsured Motorist (UM) – UM coverage is also optional. It pays your medical bills and damage to your vehicle if you’re hit by someone who doesn’t have enough insurance to cover these damages. It also protects you against hit-and-run drivers.
Customized Auto Insurance Coverage
Smart vehicle owners will customize their auto policy to obtain the essential protection they need without paying extra for useless coverage. By cutting back on unnecessary coverage, you can save money on your auto insurance costs. For quality auto insurance coverage at affordable costs, call or visit Anderson Atwood Consulting today.
While our main office is located in Northglenn, CO, we service clients all over Colorado & are expanding rapidly to serve in multiple states.