Drive with Confidence: Fort Collins' Trusted Auto Insurance Partner

The amount depends on your state's minimum requirements and your personal financial situation. Consider higher coverage limits to protect your assets, especially if you own significant property or savings.

Full coverage typically refers to a combination of liability, collision, and comprehensive insurance. It covers damage to your vehicle, damages you cause to others, and non-collision incidents like theft, vandalism, or natural disasters.

Liability Insurance: Covers damages and injuries you cause to others in an accident. Full Coverage: Includes liability insurance plus collision and comprehensive coverage for your own vehicle.

Auto insurance is a contract between you and an insurance company that provides financial protection against losses from accidents, theft, or other incidents involving your vehicle. It covers property damage, liability, and medical expenses, depending on the policy.

Collision coverage pays for repairs or replacement of your vehicle if it's damaged in an accident with another vehicle or object, regardless of who is at fault.

Factors include your driving record, age, credit score, type of vehicle, location, coverage amounts, and prior insurance history.

Costs vary based on factors like age, driving history, vehicle type, and location. On average, it can range from $50 to $200 per month.

Uninsured/Underinsured Motorist (UM/UIM) Coverage: Protects you if you're in an accident with a driver who has no insurance or insufficient coverage to pay for your damages.

High premiums can result from factors like a poor driving record, expensive vehicles, high-risk locations, or lack of prior insurance. Insurance rates also reflect the overall costs of claims and repairs in your area.

Rates can increase due to changes in your credit score, adding drivers to your policy, moving to a higher-risk area, or overall industry cost increases.