Auto Insurance Colorado
Are you looking at auto insurance? Do you need an auto insurance quote in Colorado? Look no further as we are here to help you with all your auto insurance needs. No matter if you've had auto insurance for years and are looking for a better quote, or are a new vehicle owner and shopping for auto insurance for the first time. We can answer all your questions, provide you a quote, and find the right coverage that best fits your needs and budget.
We also offer discounts on auto insurance when paired with homeowners insurance. Additionally, we offer custom auto policies for farm and ranch insurance.
Auto Insurance Policies in Colorado
Auto insurance policies and mandates vary from state to state. There are several types of auto insurance mandates in Colorado, where state law requires that drivers have Liability Insurance and Uninsured and Underinsured Driver Insurance (UM/ UD). Collision, Comprehensive and Medical Payments (Med Pay) insurance are optional in Colorado, along with a variety of additional coverages such as glass, towing, and many others.
Our team is highly knowledgeable on all topics auto insurance. So, don't wait until an unfortunate or catastrophic event occurs: reach out to our office today for an auto insurance quote.
Liability Insurance, also referred to as Body Injury Liability (BIL), covers you in the event you cause an accident which results in bodily injury or death to someone else. An example: should you collide with another person's vehicle, your insurance plan will pay to up to your policy's limits, for the injuries and car repair sustained by the party affected. Colorado in particular requires the minimum "25/50" plan, in which $25,000 is assigned per person for bodily injury, and $50,000 per accident for bodily injury. Our office will help you consider your assets and what you can afford when it comes to Liability Insurance. In general, we always recommend our clients have much more than state minimum coverage as costs are rising, and state minimums can run out very quickly.
Comprehensive Insurance covers vehicle damages sustained in non-collision events. For example: your vehicle is damaged by hail, or totaled after hitting a deer. Other risks that are covered are theft, fire, flood, earthquake, falling objects, explosion, etc. Though not required by Colorado law, your bank may require you to carry comprehensive coverage if you have an auto loan.
Uninsured/ Underinsured Motorist (UM/ UIM)
Should you sustain injuries caused by negligence by an uninsured driver, UM/ UIM will cover medical wages and wage losses. This type of insurance also covers you should the driver at fault possess an insurance plan whose limits do not adequately cover your injuries.
Collision insurance is just that: when your vehicle is damaged by collision by another another vehicle. As with comprehensive auto insurance, collision insurance is not required by Colorado law, but your bank may require you do so should you have an auto loan.
Medical Payments, also referred to as Med Pay, covers the cost of injury treatment, rehab, and funeral expenses, as a result of an auto accident. Know that whenever you purchase auto insurance in Colorado, $5,000 in Medical Payments are automatically added to your plan. You also have the option to buy additional Medical Payments.
What does our auto insurance cover?
With auto insurance from 360 insurance company, you get peace of mind knowing that you’re covered in the event of any accident or damage done to your car and any passengers present. Our auto insurance coverage includes:
- Auto collision coverage
- Non-collision damage coverage
- Bodily injury coverage
- Property damage coverage
- Insured and uninsured liability coverage
Call our location in Fruita, CO now to learn more about our auto collision coverage options and more.