Your Handy Guide to Longmont Car Insurance

Whether you have lived in Longmont your whole life or you’re planning a move to the area, there are plenty of important things to know about car insurance in Colorado you won’t want to miss!

Your Guide to Longmont Car Insurance

Luckily, you’re in the right place for all of the information you need.

Basic Insurance Requirements

Let’s begin with the basics: how much car insurance do you need in Longmont?

Each state has different requirements for their drivers. In Colorado, they look like this:

  • $25,000 for bodily injury or death to any one person in an accident;
  • $50,000 for bodily injury or death to all persons in any one accident; and
  • $15,000 for property damage in any one accident. 

While these are the minimum requirements, most drivers benefit from upping their limits. Otherwise, the risk of paying out of pocket after a collision is much higher. After all, car accidents can easily total tens of thousands of dollars in damage. If you only have the minimum car insurance requirements, you can see how these limits are easily surpassed.

In addition to upping your coverage levels, you also need to consider additional forms of coverage if you’re a driver in Longmont.

Additional Coverage

Most drivers also benefit from adding collision and comprehensive coverage to their policy.

In the event of a collision for which you’re at fault, collision coverage can cover the cost of the damages to your own vehicle. Otherwise, you need to pay for these yourself.

For damages not relating to a collison, including theft, vandalism, and fire damage, it’s important to look into comprehensive coverage. This coverage can apply to almost all forms of unintentional damage to a vehicle that aren’t related to a collision .

Where to Buy Insurance in Longmont

Of course, you also need to know where to turn for a new insurance policy or with any questions you might have about your policy. Trust the team at 1st American Insurance Agency with all of your coverage needs, as well as any questions you need answered. Call us today: 303-774-8810.