Auto insurance is an essential part of owning a car in Aurora, CO and is a legal requirement in the state. It provides financial protection in case of an accident or theft, but many drivers may not fully understand the different types of auto insurance coverage available to them. That’s where we come in.
Understanding Auto Insurance
As a leading auto insurance agency in Aurora, CO, All-Star Insurance Brokers Inc is dedicated to helping drivers like you find the best coverage for your needs. With a wide range of insurance products from leading insurance providers, All-Star Insurance Brokers Inc provides its clients with the peace of mind that comes with knowing their vehicles are protected.
There are several types of auto insurance coverage available, including liability insurance, comprehensive insurance, collision insurance, personal injury protection, and uninsured motorist coverage.
Liability insurance covers damages or injuries that you may cause to another driver or their vehicle in an accident. Comprehensive insurance covers damages to your vehicle caused by events such as theft, fire, or natural disasters. Collision insurance covers damages to your vehicle in case of a collision, regardless of who is at fault. Personal injury protection provides coverage for medical expenses and lost wages in case of an accident. Uninsured motorist coverage protects you in case you are involved in an accident with a driver who does not have insurance.
Reach Out To Us
It’s important to understand that not all auto insurance policies are created equal. The type of coverage you choose and the amount of coverage you need will depend on your specific needs and budget. That’s where the expertise of All-Star Insurance Brokers Inc comes in. Our agents will help you evaluate your insurance needs and find the best policy to fit your budget.
In order to drive a vehicle or to register a vehicle in Colorado, you must have the required auto insurance coverage. That is liability coverage that protects other drivers from you and an accident that you might be responsible for. At All-Star Insurance Brokers Inc in Aurora, CO, we are independent insurance agents and we provide our customers with personalized insurance services. We can answer the questions you may have about basic coverage and if it is the right option for you.
Basic auto insurance coverage
In Colorado to drive a vehicle, you need basic insurance in the amount of 25/50/15. That pays out $25,000 for the first injury in an auto accident you are responsible for and a total of $50,000 for all injuries in any one accident, with an additional $15,000 for damage to property. If you have few assets, this might be enough coverage, but if the expenses for the accident go higher than that, you could be left responsible for paying them out of your pocket.
Additionally, if you have a car loan or lease your vehicle, you will be required to have coverage on your vehicle itself. The lender or the leaser wants their investment protected.
If you own your vehicle outright, is basic insurance a good option? Only if your vehicle has almost no value or if you don’t use it for all your activities every day of the week. If you have the cash to repair your vehicle if it was damaged in an accident or to replace it if it was stolen, then you can get away with just the most basic auto insurance. If, however, like most of us, you count on your vehicle and don’t have lots of available cash, then collision and comprehensive insurance are important.
Contact All-Star Insurance Brokers Inc in Aurora, CO to talk about your auto insurance needs.
Recreational vehicles provide a fun and engaging experience that you can’t get with any other vehicle. But what if your RV gets damaged in a car accident? Are you protected? Let us at All-Star Insurance Brokers Inc walk Aurora, CO residents through this troubling and potentially costly financial situation.
What Is Recreational Insurance?
Recreational insurance is a type of insurance policy that helps to cover vehicles used mostly for recreational purposes. For example, four-wheelers, some types of RV, motorhomes, campers, fifth-wheels, and much more are all covered by this type of unique policy.
Typically, coverage falls into both liability and property protection. Liability covers you if your vehicle causes any injury or if someone is hurt while in your vehicle. It can also help to protect against property damage. But does this policy type extend to car accidents?
Does It Cover Accidents? Yes
When you’re driving your recreational vehicle (such as if you’re moving a motorhome or camper) and you get into a car accident, you should be covered. Your vehicle’s policy covers any damage under its protection caused by the vehicle’s use, whether as a vehicle or as a home.
For instance, if someone rear-ends your camper while you’re driving it to a camping spot, your recreational insurance will cover the damage. If you are hauling your vehicle, your recreational insurance policy may help you, though some auto insurance policies may also cover you.
Find a Policy That Works for You
If you think that you need a high-quality recreational insurance policy, it is smart to contact us at All-Star Insurance Brokers Inc right away to learn more. Our team will work with Aurora, CO residents to find the best policy type and will work hard to ensure that you are covered.
Kids grow up fast. They turn 16, and next, they will learn how to drive, and soon they will be driving on Aurora, CO roads. Have you thought about insurance? How much and how can you save when purchasing it? Well, All-star Insurance Brokers Inc. has all that figured out for you. Here are a few tips you can utilize to get the most out of auto insurance for your teen.
Sign your teen up for a safe driving class
Auto insurance for teens is pretty expensive. It’s almost impossible to tell whether they’re going to be good drivers since it’s their first time driving. Insurance companies, therefore, raise their premiums until they’re older and more responsible. To prove that your teen is a great driver, you can invest in enrolling them in safe driving schools to improve their driving skills. Most companies can reduce premiums with every completed class.
Talk to your teen about insurance.
It’s also essential to talk to your child about the dangers of reckless driving. Let them know that they’re responsible for their behavior and might be punished heavily for their actions. Careless driving could lead to license revocation and even jail time.
Get a safe used car
The more expensive the car, the higher the premiums—double that if you’re insuring a teen. If the car is expensive, spare parts and maintenance are equally expensive. Your auto insurance company will consider all this, including the possibility of accidents as your teen learns to drive. Consider getting them a standard vehicle until they have enough experience driving.
Add them to your policy.
If purchasing separate auto insurance is not an option for you, you can add your teen to your own auto insurance policy. Of course, your premiums will go up, but it’s more affordable than buying a whole new auto insurance policy.
Need more information on how to keep your teen safe on Aurora, CO roads? All-Star Insurance Brokers Inc. can help you and your teenager find a policy that matches your needs. We care about you and what matters to you. Call us to learn more.
The purpose of auto insurance is to help with repairs should you find yourself in an accident. It can also provide roadside assistance, not to mention help cover liability issues. However, your insurance is only part of the equation. In order to better protect yourself and your vehicle, you need to take care of it properly. At All-Star Insurance Brokers Inc., it is our goal to give you all the information you need to do precisely this. So, if you live around greater Aurora, CO, here are a handful of tips for extending the life of your car.
Check Your Fluids
You don’t need to be a mechanical wizard to check your fluids. Most fluids within your vehicle will have clear identifying marks for levels. Make sure these are leveled and don’t run low. Your owner’s manual will tell you exactly the fluid you need if you notice low fluid levels.
Regularly Scheduled Maintenance
Your owner’s manual will detail a maintenance schedule you need to follow. This will help you keep on top of any kind of repairs that need to be made, all before the small repairs turn into something far more severe.
Protect Your Vehicle With Auto Insurance
There are three pillars in extending the life of your vehicle. The first is to follow these tips. The second is safe, defensive driving. The third is to protect your vehicle with auto insurance. Finding the right kind of auto insurance can be a challenge, but our staff here at All-Star Insurance Brokers Inc is here to help. So, if you call Aurora, CO home, and want to learn more about your auto insurance options, give us a call at your earliest convenience. We are here to help every step of the way.