Save money with out loosing the right coverages for you and your family. Being insured correctly on the busy Colorado roads protects you when you need it most. Many people have an insurance policy but do not always understand how they are covered or what happens if they find themselves in the position of needing use their insurance. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.
- Collision Coverage – This is the basic insurance type that covers your vehicle if you collide into something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.
- Comprehensive Coverage – This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism.
- Liability Coverage – This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.
- Property Damage – This coverage protects you in the event there is damage to other vehicles and property (e.g. fences, street lights, signs etc.) that may have happened as a result of your at fault accident.
Without the right limits for these coverages, you would be responsible for paying the other driver's property damage and bodily injury liability costs out of your own pocket.
Working with an independent agency will allow you to compare several insurance company quotes simultaneously. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need.