Auto Insurance
Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for a quick estimate. Please advise the quote form is just an estimate, to get an accurate quote we will contact you for more information.
Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto Insurance Information
Colorado Auto Insurance
Serving Lakewood, Denver, Littleton, Arvada, and all of Colorado
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. Your auto policy will cover you and other family members on your policy. Your policy also provides coverage if someone who is not on your policy is driving your car with your consent.
Your personal auto policy only covers personal driving, whether you’re commuting to work, running errands or taking a trip. It will not provide coverage if you use your car for commercial purposes—for instance, if you deliver pizzas.
How Much Auto Insurance Do I Need?
You need an auto policy that is customized to your individual needs. After all, your priority must be to take responsibility for yourself and your car at all times. The appropriate auto insurance will need to include several different types of coverage in order to provide you with optimized protection.
There are numerous other benefits that you might be able to add into your policy, such as:
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Collision Insurance: Reimburses you for damage to your car that occurs as a result of a collision with another vehicle or other object—e.g., a tree or guardrail—when you’re at fault.
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Comprehensive Insurance: Provides coverage against theft and damage caused by an incident other than a collision, such as fire, flood, vandalism, hail, falling rocks or trees and other hazards.
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Medical Payments Coverage: Provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses.
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Uninsured/Underinsured Bodily Injury: reimburses you when an accident is caused by a driver who does not have auto insurance—or in the case of a hit-and-run. You can also purchase under insured motorist coverage, which will cover costs when another driver lacks adequate coverage to pay the costs of a serious accident.
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Uninsured Motorists Property Damage: Uninsured motorist property damage insurance, which is also known as UMPD helps cover the cost to repair or replace your car if someone without car insurance hits it.
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Roadside assistance
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Rental car reimbursement
Our job is to help you get the policy that includes the coverage terms and limits that will minimize your financial strain following even the most complicated losses.
Please note: All Colorado drivers must carry auto insurance with at least the following coverage:
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$25,000 Bodily Injury Liability Coverage per person
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$50,000 Bodily Injury Liability Coverage per accident
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$15,000 Property Damage Liability Coverage
When do I Need to Get Auto Insurance?
All drivers must carry auto insurance from the moment that they become drivers. You need coverage that is customized to you and your vehicle, and you will have to periodically review your plan so that it will continue to protect you throughout your years as a driver. Our job is to help you reach that objective.
Whether you need an all-new policy, or just some updates to your current plan, we will search our network of industry-leading carriers to help you find the options that offer both the coverage and the premiums that are best for you.
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