Residents of the Highlands Ranch, CO area have plenty of options when it comes to auto insurance, and the rates that you pay will largely depend upon exactly which of those options that you select. Your driving record may also play into the insurance rates that you pay. Colorado drivers who have a perfect or near perfect driving record will naturally have lower rates than those who are in the "high risk" category due to multiple major traffic violations in the recent past. No matter what your driving record looks like, you will typically be able to get the auto insurance coverage that you need.

Liability coverage is required by Colorado law, and is important because it protects other drivers when you are at fault for an accident. Usually, liability coverage is divided into two types: Bodily injury liability and property damage liability. The first provides coverage for physical injuries that other people may sustain, while the second provides coverage for the damages to their vehicle.

Underinsured/Uninsured Motorist insurance is there to protect you for those situations where you are hurt in an accident that was caused by a driver who has no insurance, or a driver who is driving with inadequate insurance coverage. This coverage is also required by Colorado law.

Collision coverage will pay for repairs to your vehicle in the event that it is damaged in a wreck, or if you run into anything like a light pole or other stationary object. While you are not legally required to maintain this type of insurance, it is very wise to have it if you want to protect your vehicle, and if you don’t want to be stuck with huge out of pocket repair bills.

Comprehensive insurance is the coverage for the damages that are not collision related. This can include any number of things, but will typically include weather related damages, flood damage, and even damage from animals. It will also include theft, so you need to have this coverage if you want the fullest possible protection for your vehicle.

It’s quite easy to get the right coverage for you by comparing insurance quotes through the Compass Insurance Group. We offer live comparative quotes for free. Try our live quote tool online or feel free to phone us for policy quotes anytime!

When it comes to driving, many people become overwhelmed with auto insurance. There is no doubt that you likely need coverage, especially to meet any state requirements in place in Colorado. Yet, finding an independent auto insurance agency could help you to save money while meeting any requirements. In fact, you can get coverage that protects your assets and keeps your rates affordable so you can have peace of mind for years to come. To do this, get quotes for insurance online from Compass Insurance Agency in Co.

How You Can Easily Compare Rates

You can get affordable auto insurance rates using our online comparative analysis tool. For auto insurance, you'll need to consider all of your insurance needs. This may include liability insurance that protects other people on the road with you if you cause an accident or damage property. Liability insurance may be a state requirement, but it does not protect your vehicle. In addition to this, consider added policies and options, including collision insurance, medical payments, uninsured and underinsured plans, as well as comprehensive coverage that may help provide protection against fire, theft, and vandalism.

Once you know what types of policies you need, you can use Compass Insurance Agency's online comparative analysis tool to help you to find available policies. You can easily compare the rates of multiple insurance providers in one place. Because we work with you, not just one agency, you can get instant quotes to a variety of policy options available. This can help you to save money while still getting the type and amount of insurance you need. For an auto insurance agency, and the help of our agents, reach out to our team. We're happy to help you to save money.