In every state, some sort of financial responsibility coverage is required to legally drive. You need to go through a few steps to find the right auto insurance coverage for your needs. 

At Premier Group Insurance, we help Lakewood, CO drivers get on the road and enjoy the peace of mind of knowing they’re financially protected in the event of a roadway accident. The following are four steps we recommend that motorists go through in finding the right auto insurance policy for their needs:

Determine what types of auto insurance you need

Every motorist on the road needs basic liability insurance. This will cover any damages their vehicle causes to other vehicles, property, or people out on the roads. 

In addition to liability insurance, some drivers may need or want collision coverage that will compensate them for damages to their own vehicles. If your vehicle is financed, your lender will require you to have collision coverage to compensate you for damages to your vehicle.

Decide on how much coverage to get

You will need to meet state requirements regarding how much coverage you have. In addition, you can also get added coverage to be even more protected in the event of an accident. If you are a relatively inexperienced driver, you may want to add additional coverage. You might also want add-on coverage for protection against uninsured and underinsured motorists, for example. 

Look into discount possibilities

There are numerous discounts out there you may be eligible for. For example, you may be eligible for a discount for being in the military or for being a college student with a good academic record. 

Get quotes from a few providers and make a decision

The best way to get auto insurance at a good rate is to get numerous estimates from different providers and to choose which offer is best for your budget and needs. 

To learn more about auto insurance in Lakewood, CO or to purchase a policy, contact us with your inquiries at Premier Group Insurance. 

Let’s Be Clear…"I Store My Vehicle Daily In My Three-Car Garage"

Not That Kind Of Storage

Insurance doesn’t have to be such a stoic entity. We like to have fun at Premier. All vehicles are "stored" when not in use. However, when you plan on not using your vehicle for an indefinite amount of time, the vehicle is then classified as "not in use". 

You can remove the insurance and cancel the registration if you choose to. Speak with an agent at our agency first. This may not be wise as you will not be covered if the vehicle is stolen. You may want to consider the value of the vehicle and if you want to protect against theft. if you are in this situation currently, give us a call.

Many drivers have an alternative vehicle that they’re not quite ready to get rid of and at the same time, they don’t use. Just make certain that you discuss what can be done with a qualified insurance agent. 

In Lakewood, CO or elsewhere in Colorado state you can fill out a non-use of vehicle form once per year and return it to the county clerk office in the county of your permanent residence. This affidavit stipulates that you are not allowed to operate the vehicle and that no one else will operate it either.

In addition, to Lakewood, CO, Premier Group Insurance also serves Denver, Colorado Springs, Aurora, Fort Collins, Thorton, Pueblo, Westminster, and Centennial Colorado.  We are a 40 State conglomerate agency with local offices around the country. If you want to call us in the above-mentioned cities please do so today at 720-457-1101. We specialize in both home and automobile insurance.  Come see us first and stay forever. 

 

First-time drivers and first-time car owners probably don’t know the various parts of an auto policy. That means they probably also don’t know why a full coverage policy makes for a smart choice. Premier Group Insurance of Lakewood, CO wants you to understand what auto policies can include, so you get the coverage you need.

To legally drive on US roads, you must carry valid auto insurance. Each state sets its own minimum requirements, so if you just moved from Texas or California to Colorado, know that the minimums differ.

Your bank might require gap insurance if you took out a loan to purchase your vehicle. It pays the difference between its value and what you owe on it.

• Collision insurance covers repairs to your vehicle if it becomes involved in an accident. You pay the deductible; the insurance pays the rest.
• Comprehensive insurance covers damage to a vehicle not caused by an accident. This includes the random tree limb or other objects falling on the car, natural hazards like hail or tornado, vandalism, and theft.
• Each state except New Hampshire requires you to carry liability insurance that covers bodily injury to another and property damage. This also pays for your legal bills if you’re found at fault for the accident.
• You can add to the medical protection provided with medical payments and personal injury protection insurance. It pays your medical costs and that of your passengers when an accident occurs. Sixteen states require this coverage, but contact us for a list of states that don’t offer it. It also pays funeral expenses.
• Finally, uninsured motorists insurance pays your medical bills if a motorist with no insurance causes an accident in which you’re involved, or you become the victim of a hit-and-run.

Visit Premier Group Insurance of Lakewood, CO to learn what types of auto insurance best benefit you. We can help you customize a policy to fit your precise needs.