Drive with Confidence: Fort Collins' Trusted Auto Insurance Partner

A deductible is the amount you pay out of pocket before your insurance covers a claim. For example, if you have a $500 deductible and $2,000 in damage, you pay $500, and insurance pays $1,500.

An auto insurance score is a numerical rating based on your credit history and other factors. Insurers use it to predict the likelihood of future claims, which can affect your premium.

Shop around for quotes, maintain a clean driving record, bundle policies, improve your credit score, opt for a higher deductible, and inquire about discounts.

It provides financial protection against accidents, theft, and liabilities, ensuring you can cover costs associated with damages or injuries. Additionally, most states require a minimum amount of auto insurance.

Compare new policies, choose the best fit, align the start date of the new policy with the end date of the old one to avoid coverage gaps, notify your current insurer, and ensure your lender (if applicable) has updated proof of insurance.

Contact insurance providers directly, use online comparison tools, or work with an insurance broker to receive multiple quotes tailored to your needs.

Having continuous prior insurance demonstrates responsibility and can lead to lower premiums. Lapses in coverage may result in higher rates due to perceived increased risk.

Personal details (name, address, date of birth), driver's license number, vehicle information (make, model, year, VIN), driving history, and desired coverage levels.

Comprehensive insurance covers damage to your vehicle from non-collision events such as theft, fire, vandalism, natural disasters, and hitting an animal.

It's a summary of your insurance policy that outlines coverages, limits, deductibles, premiums, and policy effective dates.