Auto Insurance Boulder CO
There are many reasons why people search for insurance in Boulder Colorado. It could be to look for auto, homeowners, even on their motorcycles. Insurance rates fluctuate based on many different factors. These factors include, but are not limited to:
- Zip Code
- Age of the Driver (s)
- Age of the Vehicle
- Type of Coverage Selected
- Driving History
Car Insurance Boulder CO
It is important to have a good idea of what kind of coverage you would like to have when you are getting ready to shop for a policy. Finding an agent that can shop different insurance carriers for you while answering your questions is a great start. Feel free to contact one of our friendly, no pressure insurance agents via phone or online. We look forward to serving you.
Boulder, CO Safe Driving Techniques
Although it seems that each new model car has more creature comforts and surrounds you with luxury, a motorized vehicle is not a cozy reclining chair. It is a several thousand pound lethal weapons, unless you keep your eyes on the road, and notice everything thing around you. To protect your family, friends, and the public-at-large from harm or death, here are some safe driving techniques to help you return home alive, and reduce your car insurance premium.
Focus Only on Driving
Contrary to popular belief, humans have a one track mind. Texting and eating while driving is illegal in some states, and common sense dictates that applying makeup or tending a child are even more dangerous. Ask your Auto Insurance Boulder agent about discounts for pet seat belts, and installed shut down apps on digital devices.
Stay Alerted to Everything Around You
Avoid Road Hypnosis by keeping your eyes moving in all directions, and it helps you stay awake while remaining aware of other vehicles, animals, and potential threats. Blend in with traffic and develop a habit of checking your mirrors, and maintain a speed that equals the other vehicles. Drive ahead by spotting road construction and objects scattered on the pavement. Ask your agent about the 2 Second Rule that helps you keep a Safety Zone and eliminate claims on your car insurance.
Be Visible to Other Drivers
Lights and Turn signals are not optional equipment. All of them serve a specific purpose in making your vehicle visible to others. Avoid blind spots and discuss Defensive Driving Courses with your Auto Insurance Boulder agent.
When driving any vehicle, remember those high-speed car chases in the movies and how quickly they end up in a major crash. Then, take your time, check all lights and brakes and then proceed cautiously and safely to your destination.
Companies We Shop:
Dairyland Boulder CO
Liability limits requirements
Car insurance is required to drive on the roads legally in Colorado. It is required that a person has a car insurance policy that meets at least the state minimum liability limits of 25/50/15. Liability is what protects other drivers from any damage that you may cause to them if you are found to be at fault in a car accident. There are different levels of liability limits that you can choose to purchase an insurance policy.
Liability Insurance Boulder
Higher Liability Limits
The upper limits of liability will increase the cost of your policy, but it will also protect you in the event if you cause a greater amount of damage such as damaging multiple cars or injuring multiple people. When shopping for car insurance in Boulder, it is a very good idea to start with an independent broker who can shop multiple companies. At A Plus, we are more than happy to help! Please contact us via phone or online today for a free estimate.
Colorado State law requires a person to have auto coverage if they want to drive in Boulder, Colorado. Car insurance can be either just liability coverage, full coverage, or something in between. Liability auto insurance helps protect other people from you (the driver) in the event if you cause a car accident.
Split Liability Coverage
Typically most policies are set up as “split liability” coverage. This means that a portion of your liability limits is designated for bodily injury per person, bodily injury per accident, and property damage per accident. The state liability minimums are set at 25/50/15. Simply put, an individual who has liability limits at the state minimum which is found to be at fault in an auto accident, with a current insurance policy, the insurance carrier will pay out up to $25000 per person for bodily injury protection. The Policy will pay up to $50,000 per accident for bodily injury protection, and up to $15,000 towards property damage caused.
When shopping for car insurance in the Boulder area, it is a good idea to speak with an agent who can answer all of your questions. A Plus is a broker who represents several different insurance companies. We would love to shop the rates for you to find you the plan that you are looking for. Please call us or visit us online today.
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