Get Your Auto Insurance Through a local, Independent Agent


Licensed Insurance agents for all of Colorado and Wyoming

Independent agents, as opposed to captive agents, can not only compare rates and coverage between companies, but they can then take the next step in helping you purchase the best insurance coverage at the best rate.

Want to see our service in action? You can call us, come into our local office and talk to a live person, or click on the button on the bottom right to get started on your quote

All of our agents are licensed by the state of Colorado and keep their insurance knowledge and skills up to date by taking continuing education courses in their fields.

We monitor the auto insurance companies we represent, as well as monitoring your coverage to make sure that if your circumstances change and you could have a better auto insurance rate, or you coverage needs have increased or decreased, we can make the necessary adjustments to your policies!


Auto Insurance Coverage for the Hard-to-Cover

Even if you have an adverse driving history, or other negative factors, we may be able to obtain you the coverage you need and at a surprisingly low rate! Give us a call or contact us today!

Colorado Auto Insurance FAQ

Colorado Auto Insurance FAQ

What is auto insurance?

Auto insurance purchased and serviced through Insurance By Phone, Inc. protects you against financial loss if you are involved in an accident. Auto insurance is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

The state of Colorado requires a minimum of:

$25,000 per person / $50,000 per accident and $15,000 for property damage. (25/50/15)

Most auto insurance policies are for six months or a year. Your insurance company will notify you by mail when it's time to renew the policy and to pay your premium.

Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

Optional Coverages that are not required by law but are recommended by our Insurance By Phone, Inc. agents are as follows:


  • Medical coverage: pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses to you no matter who is at fault.
  • Uninsured Motorist Bodiliy Injury / Underinsured Motorist: pays you in the event that you are injured by an uninsured or underinsured motorist. Latest statistics show that over 30% of Colorado drivers drive without insurance.
  • Comprehensive: In the event of theft, fire, hail, vandalism, hitting an animal, and certain other losses or damages, this coverage will pay to repair your vehicle.
  • Collision: In the event of a collision, this coverage will pay to repair your vehicle.


Why do you need auto insurance?

It's really all about protecting you and your family financially.
If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive. If you are responsible for damage or injury to others, you may be sued for much more than you're worth. Not only is having auto insurance a prudent financial decision, all states require you to have at least some coverage.

Does Fort Collins Insurance provide SR-22 insurance?

SR-22 isn't a type of insurance, but rather proof that you have coverage (based upon the financial responsibility laws of your state).

Simply, it is a form which must be filed by the insurance company to the state or Department of Motor Vehicles stating that auto liability insurance is in effect for a particular individual. Fort Collins Insurance will provide and file this form for you.

Typically SR-22 insurance is required when an individual is in an accident without insurance or was convicted of a traffic offense (ex: DUI/DWAI) or was unable to show financial responsibility.

Located in Fort Collins, Insurance by Phone, Inc. represents all of Colorado and Wyoming (including but no limited to): Denver, Colorado Springs, Pueblo, Grand Junction, Fort Collins, Loveland, Windsor, Greeley, Longmont, Boulder, Sterling, Vail, Glenwood Springs, Fort Morgan, Durango, Cortez, Lakewood, Arvada, Thornton, Littleton, Aurora

"Fort Collins Insurance, Inc. will find every discount available to save you money"