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Alliance Insurance Services

5440 Ward Rd. Ste. 215
Arvada,Colorado 80002

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What’s included in collision coverage, and what should my deductibles be?

When you get into an accident, it is useful to carry some collision coverage on your vehicle. Depending on the type of policy that you purchased, it may be included as part of your standard policy or it may be an optional item that you add to your basic policy.

What is Collision Coverage?

The coverage is a type of additional protection that is added to your auto policy to pay for damages to your vehicle if you get into an accident and crash into another car or even a stationary item, like a parked car or a street sign.

In most cases, the coverage will only pay for damages to your vehicle after you have paid the stated deductible. The amount that you are expected to pay for a deductible can vary based on the amount that you selected.

Appropriate Deductibles

The deductible that is appropriate for your vehicle can vary based on your concerns, goals and plans. Ultimately, you are able to determine the amount that you are willing to spend after an accident.

In general, it is usually best to maintain a low deductible on a new vehicle and a higher deductible on an older vehicle because of the associated risks. If you have a low deductible on a new vehicle, then it means that your insurance will pay for a large percentage of the damages. An older vehicle has fewer expenses and will cost less to repair, so it makes sense to have a higher deductible.

Selecting an insurance policy that is appropriate for your needs and working out a fair deductible can seem challenging, but it is an important part of protecting your vehicle. Call us today to speak to an agent for more details.

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Company Overview

Alliance Insurance Services founded in 1992 has a long standing relationship with both customers and community. Since our start, Alliance Insurance Services has been headquartered at 5440 Ward Rd. in Arvada, Colorado. We also have locations throughout Metro Denver as well as Northern Colorado. Alliance Insurance Services is a proud long time supporter of the Children's Miracle Network, the Better Business Bureau, and the Professional Independent Insurance Agents of Colorado.

Mission Statement

Alliance Insurance Services is dedicated to a lasting relationship with our clients and community through superior service and value. We provide security with quality products and innovative technology. Our team has created an environment that instills trust with those we come in contact with.


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