Northglenn Car Insurance

Your Complete Guide to Northglenn, CO, Car Insurance

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Northglenn, CO, is a sunshiny place to live with over 300 days of good weather a year. The Rocky Mountains are this town's backdrop, making it a scenic spot.

If you're one of the 38,928 residents who own a car in Northglenn, you'll need coverage. An independent insurance agent can help with policy and affordable rates. Connect with a local expert to find a policy that's right for you.

Optional Coverage in Northglenn, CO — What are You Missing?

Your car policy will have liability insurance at the lowest limit, and that's about it. If you want coverage to repair or replace your vehicle in a loss, you'll need to add it. In the meantime, check out some options:

  • Uninsured/underinsured motorists or UM/UIM: This coverage will pay for your expenses arising from an accident with an uninsured at-fault driver. Nationally, there are 13.0% uninsured drivers and 13.1% in Colorado.
  • Gap coverage: This pays for the difference in your remaining loan balance and the market value when a total loss occurs.
  • Collision coverage: This pays for property damage to your car in the event of a crash.
  • Rental car coverage: This will provide reimbursement for a rental car when your covered auto is damaged. 
  • Comprehensive coverage: This will pay for property damage to your vehicle that is hit by an unavoidable object.
  • Tow coverage: This will pay for a tow truck to tow a covered auto due to a loss.

Car insurance should have coverage for your valuable items like your vehicles. If you're cruising with a liability-only policy, you may have to pay out of pocket for a claim. Contact a Northglenn independent agent to review your policy.

Ways to Save on Your Northglenn, CO, Auto Policy

Insurance companies use a variety of factors when determining rates. They have a checklist of items that they go by to set your premium. Discuss how to save with an independent agent. Take a look at the rating factors the carriers use below:

  • Policy discounts that may apply 
  • Your claims history
  • Your insurance score
  • The coverages you choose
  • Local crime rates 
  • Your motor vehicle record (MVR)
  • Catastrophes reported 

One item you won't have control over is the rate of local crime. If you live in a higher crime area, you could be paying more for insurance. In the meantime, let's take a peek at the auto theft rates per 100,000 people:

  • National average: 228.9
  • Colorado average: 380.5
  • Northglenn average: 675.4

If you bundle your auto and home insurance, you'll save big time. With a 30% or more discount on coverage, you'll want to check with an adviser about bundling. Speak with a Northglenn independent agent to get started.

State Minimum Limits in Northglenn, CO, May Not Be Enough

Northglenn, CO, has minimum limits that are mandated by the state to carry when you drive. This is the same for workers' compensation insurance as well. Talk with a local adviser to quote the right coverage. Check out the required auto insurance for Northglenn, CO:

  • A minimum liability of $25,000 per person/$50,000 per accident/ $15,000 property damage.  

Minimum limits will barely cover a loss of any considerable size. When an accident occurs, and you're without proper insurance, you could be responsible. Umbrella insurance is something that can be added in addition to higher limits. It will protect your finances when a larger claim wipes out your underlying policy. Speak with a Northglenn independent agent for quotes.

If You Drive for Uber in Northglenn, CO, You May Not Have Coverage

Most consumers aren't aware that their personal auto policy won't protect them when they use it for business services. If you drive for Uber or Lyft, your claim won't be covered under standard auto insurance. To have the right protection, speak with a professional. 

Commercial vehicle insurance will supply coverage for your business exposure. When you're transporting people or parcels for cash, you have an operation. Contact a Northglenn independent agent to discuss commercial insurance.

How a Northglenn, CO, Independent Agent Can Help

When you're searching for the perfect car policy in Northglenn, an independent insurance agent can help. They have options on coverage and price because they use several carriers. When they do the shopping on your behalf, you won't have to pay a dime. 

If you're tired of doing it alone, get a professional. Connect with one of the local experts on TrustedChoice.com. They have a find-an-agent resource to get you going. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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