Author: AgentInsure

You know you need to maintain at least the minimum required amount of car insurance in Colorado. What you may not be aware of is exactly who is allowed to drive your vehicle and remain covered. When it comes to other drivers and those with learners permits, you need to know what type of coverage you have.

Liability coverage normally follows the driver. If you allow another licensed driver to operate your vehicle temporarily, the driver should have liability insurance. Collision insurance, or comprehensive insurance, usually follows the car. When you add another regular driver to your car, under any license, your coverage will change.

Many insurance companies provide complementary insurance for those driving with a learners permit. However, even if the insurance is provided at no additional charge, you must notify the company whenever an additional driver is given permission to drive your insured vehicle.

In Colorado, drivers under the age of 18 must hold a learners permit for 12 months before applying for a regular driver’s license. Once the full license is obtained, the driver must be covered under an insurance policy. It is often less expensive for the parent to add a younger driver to their existing policy rather than have a teen purchase their own policy. However, the teen driver must live in the same household.

Insurance policies and requirements vary by the company issuing the insurance. It is extremely important for you to contact your agency to understand the specifics of the policy you hold. Working with independent agents will allow you to see what is available from different providers.

Make sure that you are covered for your driver on a learners permit, and after the driver obtains a full license. Request quotes from AFI Insurance and start comparing them now. Our agents will be happy to help you get the exact coverage for your needs and you can even compare insurance rates online to get started.

Residents of Englewood, CO will definitely want to have quality auto insurance coverage for several reasons. Car insurance is legally required by the state of Colorado, and this law exists for the protection of both the driver and the other people that you are sharing the roadways with. Here are the top three reasons why having auto coverage is so essential in this area.

It’s the Law

The law does require drivers to carry several different types of auto coverage, including:

• Bodily Injury Liability: This provides protection for other drivers who are injured and require medical care due to your actions.
• Property Damage Liability: This provides protection for vehicles belonging to other drivers if you caused the damage.
• Uninsured/Underinsured Motorist Coverage: This coverage is almost always grouped with the above two types of coverage. Uninsured/Underinsured Motorist coverage pays your expenses if you’re involved in a wreck with a driver who carries no insurance or who has inadequate insurance.

The law does allow you to carry only Bodily Injury Liability and Property Damage Liability if you wish, however you have to sign a waiver formally stating you don’t want Uninsured/Underinsured Motorist Coverage if you wish to leave it off your policy.

It Protects You

While the state minimum auto coverage described above are primarily geared towards protecting other drivers, auto insurance coverage can also give you excellent protection. Comprehensive coverage (for theft, vandalism, and other damages not caused by driving) and Collision coverage (for damages that happen while you’re driving) are the coverage types focused entirely on protecting you and your vehicle. Your car is a major investment, and protecting it (and yourself) is something that is just a smart move financially.

Don’t get caught without the auto coverage you need. Our independent agents are happy to work with you to help you get the policy you want, and you can check out our free quote comparison tool online to get immediate policy quotes as well.

Finding the auto insurance that you need for your vehicle in Commerce City, CO can seem challenging at first, but there are ways to identify the policies that are best for your preferences. The key is focusing on your options and comparing plans with the assistance of a professional so that you can get the best rates and the appropriate coverage.

Comparing Plans

It is not possible to compare policies and options unless you clarify your goals and concerns. List your needs and determine your maximum budget so that you can avoid finding a policy that is not appropriate.

Look at as many options as possible when you are comparing your rates to get the best plan for your situation and your goals. A certified agent can help you by providing a variety of policies from the top insurance providers and local options so that you can compare several plans within a short period of time.

Make a Decision

The process of making a decision can be easy or it can be challenging. If you have several plans that are comparable when it comes to price and coverage, then an agent can give you advice and assistance so that you can make the best decision.

Agents provides a variety of services, including unbiased advice based on your preferences. When you talk to an agent, you are able to explain what you want and ask about different plans so that you can identify the policy that is best for your personal situation.

Every individual has different needs, so your auto insurance should reflect your personal preferences. Finding the plan can be easy when you are working with an agent. To learn more about finding the best plan, contact us to talk to an agent today.

Maintaining your vehicle and protecting it against potential problems is the primary purpose of car insurance in Wheat Ridge, CO. The state requires that you buy liability protection, but you may decide that you need more comprehensive protection for your property. Regardless of your plans and preferences, the best policy for your needs does not need to cost a small fortune.

Getting Special Rates

One of the ways to cut back on the cost of coverage is focusing on special rates and discounts that are available. The options that are available can vary, so you will want to compare plans before you make any decisions regarding your options.

Promotions and discounts offer a way to reduce the cost of your coverage, but you should always pay attention to the basic plans. Many companies offer similar discounts, but there may be options that are also unique to the company that can help you save.

Comparing Plans

Since the factors that impact the premiums that you are offered can vary, you should compare car insurance policies before you finalize a plan. The best plan can depend on your goals, but there are a variety of ways to cut back and finding a plan that is already lower than the average rate can help.

Look at as many plans as you can before you consider any further action. Keep in mind that discounts and promotions can make some policies more affordable, so you should consider the coverage as well as the cost when you are considering your options.

There are ways to make the cost of coverage for your car affordable, but you need to understand your options before you finalize any policy. To learn more about protecting your car, contact us to talk to an agent.