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Colorado Springs, Colorado
Colorado's state minimum is 25/50/15 — $25,000 per person, $50,000 per accident, $15,000 for the other car. One ER visit and a totaled pickup on I-25 blow through both. We'll show you what the numbers mean before you pick them.
What's different here
El Paso County is in the most hail-prone corridor in the country. Comprehensive coverage is what pays for a hail-dented roof and windshield — and it's the line most people drop to save $8 a month.
Roughly one in six Colorado drivers carries no insurance. Uninsured/underinsured motorist coverage is what pays your medical bills when the other driver has nothing. Colorado requires us to offer it; you can reject it in writing. We'll tell you why you shouldn't.
Ute Pass, Monument Hill, black ice on Powers. Collision coverage with a deductible you can actually pay in January is worth more than the lowest premium in July.
Our checklist
Questions we get
Enough liability to protect what you own. If you have a house and savings, 100/300/100 is the floor most agents recommend; an umbrella policy on top costs less than people expect. State minimum 25/50/15 protects your license, not your assets.
No. Colorado is an at-fault state — the driver who caused the crash pays. That's why liability limits and uninsured motorist coverage matter more here than in no-fault states.
Yes. Hail, flood, theft, fire, a deer on Highway 24 — that's comprehensive. Collision is for hitting things. You need both to be fully covered.
Usually it's the single largest discount available, and it means one agent sees your whole picture. We'll quote it both ways so you can see the difference.
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