Finding the Best Car Insurance in Denver with All Drivers Insurance

Searching for car insurance in Denver can feel overwhelming with so many options to choose from. But finding the right auto insurance doesn’t have to be a hassle At All Drivers Insurance, we make it easy to get the coverage you need at a price you can afford

As an independent insurance agency based in Denver for over 35 years, we have the expertise to find you the perfect policy. We represent over 20 top-rated insurance carriers, so we can compare quotes side-by-side and match you with the best rate.

In this article we’ll walk through everything you need to know about getting car insurance in the Mile High City. We’ll cover types of auto insurance Colorado state requirements, and tips for lowering your premium. Let’s get started!

Types of Car Insurance Coverages in Colorado

In Colorado, drivers are required to carry at least these three basic auto insurance coverages:

• Liability Insurance: Covers injuries or property damage you cause to others in an at-fault accident. Includes bodily injury and property damage liability.

• Uninsured/Underinsured Motorist: Protects you if you’re hit by a driver with no or insufficient insurance.

• PIP (Personal Injury Protection): Covers medical expenses for injuries to you and your passengers, regardless of who was at fault.

Beyond these minimums, you may want to add extra protections like:

• Comprehensive: Covers damage to your vehicle from theft, vandalism, weather, fire, or animals.

• Collision: Covers damage to your vehicle from collisions with objects like other cars, trees, poles, etc.

• Rental Reimbursement: Reimburses rental car costs while your vehicle is being repaired after a covered loss.

• Roadside Assistance: Provides towing and lockout services if you break down.

Bundling these optional coverages with minimum requirements gives you complete protection on the road. Work with one of our Denver auto insurance agents to build the right policy for your needs and budget.

Colorado Car Insurance Minimum Requirements

Colorado is an at-fault state, meaning the driver who causes an accident is liable for damages. Drivers must carry at least:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $15,000 property damage liability
• $15,000 uninsured motorist bodily injury per person
• $30,000 uninsured motorist bodily injury per accident
• $5,000 medical payments (PIP)

Failure to meet these state-mandated minimums can lead to license suspension, fines, and higher insurance rates. It also leaves you financially exposed in the event of an at-fault accident.

Our Denver auto insurance agents advise carrying more than just the minimums for better protection. Upping your limits provides more coverage in a major accident.

How to Get the Best Car Insurance Rates in Denver

Car insurance costs can vary wildly between companies. The difference in premiums for the same coverage could be hundreds of dollars per year!

Follow these tips to make sure you’re getting the cheapest car insurance in Denver:

• Compare quotes: Get rate estimates from multiple insurers before deciding. We shop 20+ top companies to find you the lowest price.

• Maintain good credit: Insurers favor drivers with credit scores above 700. Keeping your credit in shape can save you money.

• Ask about discounts: Taking defensive driving courses, bundling policies, or having anti-theft devices can reduce your premium.

• Raise deductibles: Opting for higher deductibles decreases rates but increases out-of-pocket costs if you file a claim.

• Limit mileage: Driving fewer miles annually lowers your risk of accidents. Telecommuting or carpooling can reduce mileage.

• Drive safely: Avoid accidents, traffic violations, and claims to keep rates affordable over the long term.

Getting quotes from multiple carriers is key to finding the best deal. All Drivers Insurance simplifies this process by checking rates from top national and regional insurance companies operating in Colorado.

Top Car Insurance Companies in Denver

Which auto insurance companies offer the best rates in Denver? Based on our experience, these carriers consistently provide affordable pricing:

• State Farm: Ideal for bundling home and auto policies. Many discounts available.

• Geico: Known for low cost coverage and great online tools. Popular with younger drivers.

• Progressive: Offers competitive rates and convenient quoting online or via mobile app.

• Travelers: Provides a wide variety of discounts to reduce premiums. Excellent financial strength.

• Safeco: Specializes in standard and non-standard auto insurance. Rewards safe driving.

• The General: Caters to high-risk drivers with SR-22 filings or poor driving history.

• The Hartford: Strong service reputation. Discount bundles for home and auto.

• Allstate: Use Drivewise program to save based on safe driving habits.

• Farmers: Bundling and multi-policy discounts can lead to big savings.

• AAA: Membership comes with perks like discounted insurance, roadside assistance, etc.

It’s hard to pinpoint exactly which company will give the lowest rates for your situation. Premium costs are based on many personal and vehicular factors. That’s why it pays to compare multiple carriers!

Why Choose All Drivers Insurance for Denver Car Insurance?

As an independent agency, All Drivers Insurance provides unbiased recommendations because we are not tied to any one company. Our licensed agents have worked with Denver drivers for over 35 years to find affordable coverage.

Here are a few key reasons to trust us with your auto insurance needs:

Local expertise: Our dedicated team knows the Colorado insurance market inside and out. We stay on top of regulation changes and trends to best serve Denver-area clients.

Choice of carriers: We represent over 20 top national and regional insurance companies. With so many options, we can pinpoint the best fit for you.

Personalized service: Each client has unique needs. We take the time to understand your driving profile and recommend the right coverages.

Policy review: We re-shop rates at renewal to ensure you always get the most competitive pricing. Just one phone call could reduce your premium!

Claims assistance: If you have an accident or loss, we’ll walk you through the claims process to ease frustrations.

Convenient options: Get quotes online, over the phone, or in person at our Denver office. We’re here to provide insurance made simple.

If you’re ready to start comparing car insurance quotes in Denver, give us a call or request a quote online. We look forward to helping you protect one of your biggest assets – your vehicle!