If you’re going to operate a motor vehicle on a Colorado roadway, you’ll have to be financially responsible. That means you’re required to have liability insurance with minimum coverage of $25,000 per person, $50,000 per occurrence, and $15,000 for property damage. That includes underinsured/uninsured coverage along with $5,000 in medical payments coverage.

Although Colorado’s mandatory minimum liability coverage law is one of the best in the country, it’s still just not enough. It doesn’t take much to exceed $25,000 in damages in a personal injury claim. That’s probably an emergency room visit and a couple of days in the hospital. If a jury comes back with a $100,000 verdict and you were driving on a $25,000 policy, you’re personally on the hook for the $75,000 excess.

As independent insurance agents, we don’t want to see you put in an excess liability situation. We’re respected and established business people that live and work around the Wheat Ridge community. We want to see you well protected on the road, but we also don’t want you to be paying too much for car insurance.

Because we’re independent agents, we work with multiple car insurers and give you choices of your insurer, your coverage amounts and how much you’ll pay. That’s the unbiased and objective information that we’ll give you. Since we’re not married to one of the "big three" insurers, we’ll give you the best quotes available from a range of well established car insurers that you can choose from.

Whether you’re looking to insure a vehicle you just bought, or you’re tired of paying high premiums for the same coverage we can provide you with, call us for the best quotes in and around Zip Code 80034 . Our agents are happy to talk with you.

Lakewood, Colorado is a growing metropolitan and has a number of high-end real estate communities. The economy is strong and the city promotes small businesses. Recreational facilities are located throughout and there is also a considerable amount of tourism that comes through the city, both during the summer and winter months.

When there’s a learners permit in your home, you have to look at the coverage on your car insurance. If you used to have the minimum for the state of Colorado, you may want to consider increasing the liability for both personal injury as well as property damage.

A new driver is still learning. They may know the rules of the road, but they are inexperienced and they haven’t developed fast reaction times yet. They are at a greater risk for being involved in an accident. There is a good chance that the accident is going to cost a lot of money.

By increasing the liability coverage on car insurance, the insurance company would pay for the damages and hospital bills instead of coming back to you. If you’re only covered for $25,000 worth of property damage and the accident results in $50,000, you would be responsible for the remainder – and that’s a lot of money.

By working with agents, you can make sure your learner’s permit in Lakewood is properly protected. If there is an accident, the coverage is in place so it doesn’t end up costing you a lot of money. You should be able to pay just the deductible and let the insurance company take care of the rest.

Determining how much to increase the liability to can depend on the driver as well as your budget. Call and talk to one of our agents today and let us help you get a policy you can rely on.