Do you know why so many of the most wealthy and successful people seem to always make the right decisions when it comes to managing both their private and business lives? It is not necessarily that they are smarter than you, but rather, because they surround themselves with experts and people they trust who help them make the smartest decisions and get things done in the best possible way.
When it comes to buying auto insurance, the average person may have a cursory understanding of the subject, but not a deep understanding of all of the fine points of a policy. Young drivers, buying car insurance for the first time, are often unaware of the different types of policies that they can buy. Almost everyone wonders whether they should carry the Colorado minimum required bodily injury and property damage liability coverage of 25/50/15 (payouts up to $25,000 for injury to one person, $50,000 for injuries to all persons in a single accident, and $15,000 for property damage) or pay a little higher premium for a more robust policy with higher limits of 100/300/100.
There are plenty of other questions you may have. Independent insurance agents in Colorado love answering questions about auto insurance. You can get help deciding how big a deductible you should have or whether you should drop collision and comprehensive on a 10-year-old car. If a tree falls on your car while it is parked in your driveway, do you have a claim against your auto insurance carrier or your home insurance carrier? These are just some of the questions independent insurance agents can answer.
Your independent agent will help you get the lowest rates for the coverage you need by getting quotes from a number of competing insurance companies. When you find a good independent agent, they will look out for your best interests and make sure you are properly insured.