When it comes to car insurance in Colorado, many of us only think about it when it's time to buy or file a claim. That's why it's important to start with a car insurance quote that takes into account potential accidents. At Insurance Specialties LTD, we provide affordable car insurance for residents of Fort Collins, Loveland, Windsor, and beyond.
As an independent agent, we can help you shop around with many carriers like Progressive, Safeco, Hagerty, Kemper, and more to find the cheapest car insurance options. Our commercial insurance policies also cover drivers who work in food delivery or trucking.
We offer insurance discounts for good students, multiple cars, bundling with home insurance, and senior driving courses. We can also add an SR22 to most auto policies for those who drive for Uber, Lyft, or other businesses. We even provide classic car insurance through Hagerty Insurance.
Whether you're in Denver, Colorado Springs, Pueblo, Aurora, Grand Junction, or any other city in Colorado, we're here to help. Contact us today for a car insurance quote and find out why Insurance Specialties LTD is the right choice for your insurance needs.
If the agent quotes the same companies and coverage the price would be the same, but if they quote for example Progressive and not the same coverage then the price would be different depending on the coverage options.
Q: What is car insurance? A: Car insurance is a policy that protects you financially in the event of an accident or theft involving your vehicle. It typically covers damage to your vehicle, liability for any injuries or damage caused to other people or property, and may provide additional coverage for things like medical expenses and roadside assistance.
Q: Is car insurance mandatory? A: Yes, in most countries, including the United States, car insurance is mandatory. The specific requirements vary by state or country, but typically you are required to have at least liability insurance to cover damages or injuries you may cause to others while driving.
Q: How much does car insurance cost? A: The cost of car insurance varies depending on several factors, including your driving history, the type of car you drive, your age and gender, your location, and the coverage options you select. On average, Americans pay around $1,500 per year for car insurance.
Q: What types of car insurance coverage are available? A: The main types of car insurance coverage are liability, collision, and comprehensive. Liability insurance covers damages or injuries you may cause to others while driving, while collision insurance covers damage to your own vehicle in a collision. Comprehensive insurance covers damage to your vehicle from non-collision events, such as theft or natural disasters.
Q: Can I change my car insurance policy at any time? A: Yes, you can typically change your car insurance policy at any time. However, you may be subject to fees or penalties for canceling a policy before its expiration date, so be sure to check with your insurance company before making any changes.
Q: How do I file a claim with my car insurance company? A: To file a claim with your car insurance company, you will need to contact them as soon as possible after an accident or other covered event. Your insurance company will provide you with the necessary forms and information to submit your claim, and will typically assign an adjuster to evaluate the damage and determine the amount of coverage you are entitled to.
Insurance Specialties LTD
148 West Oak Street, Fort Collins, Colorado 80524, United States
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Colorado Independent Insurance Agent