Why Do I Need Auto Insurance: Denver, CO?

Most people that live in Denver opt for a vehicle over public transportation. Public transportations have limited routes and schedules. If you need to get to work on time, a car may be the best option.

For some of us, driving is a necessity we cannot go without. We use it for commuting, going out with friends, or getting home after one too many drinks. 

And when you own a car, you must have car insurance. So why do I need auto insurance Denver, CO?

It’s against the law to forgo car insurance/auto insurance

Do you need auto insurance in Colorado?

Everyone who drives in the state of Colorado needs auto insurance in Colorado of some kind, be it in Denver or anywhere else in the state.

So you will need to have some form of auto insurance just to legally drive on the road, or else you could receive a ticket if you are pulled over and then still have to set up auto insurance.

2. Car insurance in Colorado protects you and your family.

Next, having auto insurance doesn’t just cover your car, but also the people inside of it. So in the event of an accident, your auto insurance will effectively protect you and your family or friends who are in the car when the accident occurs, covering their medical bills, so they don’t end up having to pay out of pocket. This type of protection is crucial for getting on with your life after a serious automobile accident.

3. Car insurance in colorado protects your vehicle.

Obviously, auto insurance also protects your vehicle. If someone hits you or you hit someone else, or you just hit an inanimate object accidentally and damage your car or truck, auto insurance will pay to repair this damage, so that your car drives and looks better in the future.

More info about car insurance companies, collision insurance, ar insurance rates, and coverage car insurance

Keep reading below to learn more about how to search for car insurance companies, search for car insurance rates, and coverage auto insurance. We’ll also talk a little bit about how some factors affect your car insurance rates, such as age and driving history.

Comprehensive and collision insurance

When you have a comprehensive or collision insurance policy, this is usually something that protects your car if it is damaged by something like hail.

Since damage from hail is not very common in Colorado, just regular auto insurance will do the trick. But if you live in an area where there’s more likelihood of having your car damaged by a storm of hail, this might be ideal.

Collision insurance is if you hit someone or something and end up damaging the other person’s car or property, this would cover those damages. Even if you have comprehensive, collision is usually a good idea to purchase as well because it covers more incidents than just a storm of hail for example.

If you are planning on financing your next vehicle, then collision insurance is a must.  You will need to purchase this insurance in order to get the loan approved.

Speak with an agent from Facetime insurance to get affordable auto insurance and learn more about what type of liability insurance you need.

When you only get the minimum coverage or cheap car insurance, you aren’t as protected as you would be otherwise. Keep that in mind when searching around for car insurance rates.

You might be able to get a better deal on your car insurance policy, but by getting less coverage or protection, you’ll be going into the transaction with the mindset that you don’t have any extra.

How much does auto insurance cost?

If you are comparing how much car insurance costs in Denver Colorado versus other states or want a general sense of the average cost of auto insurance rates, you can give us a call at Facetime Insurance or shop around for other auto insurance companies.

Compare car insurance quotes and save money

When comparing different auto insurance quotes and companies, it’s important to remember that there are lots of variables involved.

For example, if you’re young or new to driving, the company will most likely charge a higher premium. Why? Because they know that you’ll need more coverage than someone older with less accidents or tickets in their past.

If you have lots of speeding tickets or a history of car accidents,  then you will most likely end up paying more for your insurance. Why? Because of the risk that you might need to file a claim in the future after causing an accident or having another driver hit you.

All this means is that the price of auto insurance tends to vary based on other factors and differs from company to company, so be sure to consider this when shopping for car insurance rates.

Should I search for the cheapest car insurance companies or search for comprehensive coverage?

This is a very common question that many people have when they start looking for car insurance in Colorado. The difference between comprehensive and uninsured/underinsured motorist coverage, which are all separate sections of your auto insurance policy, is that uninsured/underinsured covers what you would need if someone hits you or causes an accident with you and has no insurance to really protect you.

So in the case that this happens, your auto insurance policy would step in and cover you.

On the other hand, comprehensive coverage is if you cause an accident with someone or something and damage them, then this part of your auto insurance would pay for the damages to their vehicle (or property).

The very cheapest car insurance is probably not the best protection for your and your family.

You should always have some kind of protection for your vehicle and for you so that you aren’t completely taking on the weight of any accident by yourself.

With auto insurance in Colorado, it is very important to look at these different parts of your policy closely because one section could be better than another depending on how much they cost or what their benefits are.

Cheapest car insurance in Denver Colorado

If you are looking for the cheapest car insurance quote, then you might be better off searching online or with just a couple of auto insurance providers. Why? Because they can give you fast, and sometimes instant quotes. You can give Facetime a call and we can quote you quickly! You’ll have more peace of mind in knowing that you are getting a great deal on your car insurance policy.

What is property damage in car insurance?

When you have property damage on your auto insurance policy, this coverage will help pay for the damage of someone else’s car or property that you cause.

Why is it important to know about this? Because if you don’t have any coverage in this section of your auto insurance policy, then you would be responsible for paying out of pocket and it could really hurt your pockets!

Give Facetime Insurance a call and we will give you a great quote for your auto insurance.

We promise to get you a great quote at an affordable rate. The only thing that we are working for is to make sure that you and your family are taken care of in case something does happen. So give us a call today– have a great day!