Colorado Auto Insurance
In Colorado, the right auto insurance policy can get you back on the road quickly.
In the event of vehicular damage or destruction in an accident, collision, fire, theft, or other covered event, you want the policy that will protect and help you the most. It may also guard against medical and legal expenses resulting from property damage, loss of life, or injury caused by an accident involving your vehicle.
With offices in Windsor, Greeley, and Brighton, our team at LSI Insurance Agency, Inc. understands the auto insurance needs of our valued customers in Colorado.
What is an auto insurance policy?
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We’re happy to work with you to determine the best coverage options to fit your personal needs.
How much auto insurance do I need in Colorado?
LSI Insurance Agency, Inc. writes insurance policies for the state of Colorado, and we’re here to help ensure you have the right coverage for where you live.
Different states have varying requirements for auto insurance. Colorado’s minimum requirements are:
- $25,000-per person for bodily injury
- $50,000-per accident for bodily injury
- $15,000-per accident for property damage
By law, all drivers must be able to pay for the losses they cause others. Having an auto insurance policy is the simplest and surest way for most drivers to comply.
If you finance a car, it is usually necessary to have insurance that covers damage to your vehicle as well. This includes:
Collision insurance coverage pays for damage caused to your vehicle in the event of an accident. Standard collision coverage will pay for repairs up to the fair market value of your car. Collision coverage often comes with an insurance deductible, which is the amount you pay towards repairs before your collision insurance steps factors in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance coverage works the same way as collision insurance, with payments up to the fair market value of the car, often including a deductible. The difference is that comprehensive covers damage caused to your vehicle by unknown circumstances or “acts of God”. Floods, hurricane, theft, vandalism, windshield damage and fire are all events that comprehensive automobile insurance often covers. Although it’s not legally required by any state, you will probably need it if your car is financed.
We provide insurance options for cars, trucks, boats and much more!
LSI Insurance Agency, Inc. can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too!
Every person is unique – to find out how to get the best price and value on Colorado auto insurance, send us an email or call us at 970-674-1151.
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