Brighton Auto Insurance

Brighton CO Court houseAttention drivers in Brighton CO insurance rates have been changing!  It’s a smart idea to get new car quotes/prices periodically, especially if you’ve had a lifestyle change, changed jobs, are required to file an sr22 form, or you only want to see if you can get better rates.

Filling out one form online to receive rates from multiple companies is fast, free and easy to do. Whether you live in Northeast Denver or across the country, these tips will provide the necessary information you need to request for current rates.

Be Careful?

Driving on the roads can be dangerous, even fatal.  In 2016, there have been at least four fatal car accidents in the Brighton area according to the Colorado FARS.  Colorado is broken up into five different reporting zones, Brighton is in Zone 1, which includes Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, and Gilpin areas.  Research shows that there are also increases in fatalities during holiday travel, with the biggest holidays:

  • New Year’s Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Thanksgiving
  • Christmas.

Since January 1, 2016, to October 17, 2017, there have been 479 fatalities due to auto accidents in Colorado.  191 of those deaths are in Region 1.  So why do you need auto insurance, it’s simple. First it is the law, second, you never know what might happen when you are out on the roads.


Gathering Required Information

Different sites may vary slightly, but this should give you a good idea of the topics that will be covered when filling out a request form.

  • The names and addresses of each person who will be on your policy.
  • A list of each vehicle to be insured.
  • The VIN of each automobile to be covered.
  • The driver’s license of each person.
  • The address and name of any lienholders if the car is financed or leased.
  • Employment histories may be required.
  • Your current insurance policy.
  • Traffic violations and accidents (last five years)
  • An estimate of the number of miles each driver will drive to school or work.

Remember, it is essential that you supply accurate information. Not telling the truth about an old accident or tickets is usually discovered anyway, and it may cause you problems in obtaining any coverage if you’re not truthful.

Brighton ColoradoChoosing Coverage Options

Before requesting a new quote now is a good time to reevaluate your insurance needs. For example, if you’ve recently married, changed jobs, increased the number of miles you drive or have moved, these factors could increase or decrease premiums.

The state of Colorado does require all drivers to carry liability insurance coverage for bodily injuries and property damages. If you’re driving an older vehicle, you might save some money by dropping coverage for collision or comprehensive.

Insurance Brighton Comparison Site

Whenever you’re considering changing insurance companies, it’s smart to get three or more estimates.

Check online for comparison sites that offer multiple quotes from various carriers for car coverage or motorcycle insurance. You only have to fill out one form on these types of sites, and you’ll receive several quotes back from multiple carriers, which helps to speed up the process.

If you choose to fill out forms on individual carrier sites, it’s critical that you supply the same information and coverage details to compare costs accurately.

Comparing auto Insurance

After receiving your information, it is worthwhile to research each insurance company carrier to determine whether they have been in business for several years and have a sound financial standing.

To compare, check the deductible amounts to see if they are the same, higher or lower.

You’ll save money by increasing the amount of your deductible. Check each one to see what discounts are available. Bundling home and automobile coverage with one insurer is a good way to save. Check options for payments to find one that fits your needs.

Before buying your new car insurance policy, always read the contract carefully to make sure you haven’t overlooked anything.

Three Reasons To Get Auto Insurance.

  1. Do you need car insurance in Brighton Colorado? By law, every car on the road must have adequate coverage. It helps protects you from lawsuits if you are found at-fault after a car accident.
  2. Depending on the coverage options you choose, the insurance policy helps cover medical bills and property damage caused in an automobile accident.
  3. An insurance agent can help you decide if your current policy meets your needs, or if you are without a policy, they can help you find a policy that meets your needs and budget.

Brighton car coverage

Find Professional Service

A Brighton agent can help you decide on the right auto and home policy to suit your needs.

Do you need full coverage or just liability?

How much of a deductible are you willing to pay before the policy pays out in the event of a car accident?

Do you need a roadside assistance or rental reimbursement add-ons?

Navigating these questions can be difficult, but a qualified agent can make the process easy and fast.

To contact your agency partner for a quote on your home, Business, motorcycle insurance, or auto coverage just call 888 445 2793.

Affordable Car Insurance.

Car insurance in Brighton is very affordable. Most agents offer multi line discounts for customers that hold more than one policy, including renters or homeowners and auto coverage.

Policyholders can get discounts for being a good student, being over the age of 25 and being accident-free.

Monthly premiums can also be reduced by taking out policies with higher deductibles.

Financial Security

Without auto coverage, drivers put themselves at risk for lawsuits, tickets, and license suspensions.

In the event of an accident, the driver of each vehicle is required to provide proof of coverage.

If a driver cannot provide proof of insurance, they can be sued for medical expenses and car repairs, and all of those costs must be paid out of the at-fault driver’s pocket.

Not to mention, if the at-fault driver does not have any insurance, they may not be able to repair or replace their car. Therefore, it is imperative that drivers find a policy they can afford.

Protect yourself and the drivers around you by getting affordable auto insurance in Brighton.

It can mean the difference between getting your car repaired and medical expenses paid after an accident or getting sued and losing your license. Contact our agency at 888 445 2793.

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