The Five Questions You Need to Ask About Your Colorado Auto Insurance

There’s a lot you need to know about your Colorado auto insurance (besides the fact that it will help pick up the tab if you’re in an accident) and, like everything else in life, you’re never going to know unless you ask! Or spend an hour hunched over your policy with a dictionary, but even that’s not going to answer all the questions you’re going to have-or give you all the information you need to know to make the right choice when it comes to your coverage!

The Five Questions Every Driver Needs to Ask About Their Colorado Auto Insurance

1. How much liability do I have?

One of the first things you need to know about your auto insurance is how

much liability auto insurance coverage you have, and not just because the Colorado auto insurance rulebook says you have to have it. When you’re in an accident you’re responsible for all of the costs that go with it, and when you consider the cost of health care these days it’s easy to see how that could tally up fast!

2. What’s covered under my comprehensive/collision policy?

When you buy collision and comprehensive auto insurance from your Colorado auto insurance dealer you do it so you’re covered if you’re in an accident. Unfortunately, there can be some grey area about what, exactly, that coverage includes. It’s a good idea to make sure you know what’s covered-and what’s not-before you sign on the dotted line.

3. What discounts do I qualify for?

In today’s stressed economy everyone’s looking for a way to save money on their auto insurance. It’s the name of the game! Even when you’re not stuck in a recession it’s still a good idea to try and shave as much off your premiums as possible-don’t you have something better to do with that money? It’s a matter of principle.

4. In your advertised auto insurance rates, how much is covered?

This is a big one for anyone shopping around for auto insurance, because most Colorado auto insurance companies are going to advertise the lowest rates they could possibly offer. Sometimes that means coverage for-well, everything! More often, however, that means the price that a driver cruising around town in a $200 clunker, with a flawless driving record and minimum liability, is going to pay. Make sure you know what you’re getting before you ask for the lowest price on the market.

5. How much are my rates going to go up if I’m in an accident?

It’s astonishing how much difference a single accident can make in terms of your Colorado auto insurance rates. Some drivers have seen their auto insurance rates fly up as much as 40%! That’s a lot for a single “oops.” Look around and see what your options are. You might find a company with more flexibility in their policy-and if you’re really lucky, you might even be able to find one with accident forgiveness.

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