Good drivers pay less for their insurance coverage than drivers who have tickets and accidents on their record. That just makes sense, because it rewards people who are less risk to the insurance company. That doesn’t mean that people who have claims can’t get insurance in Colorado, though, or that they’re going to be asked to be pay exorbitant fees for minor infractions. Their auto policy will depend on more than if they’re made a claim. What kind of car they drive, how much, their age, and other factors will all play a role.
As an independent agent, we can help you find the coverage you need, even if you’ve had a claim. Come on into our Lakewood office and talk to us about your needs and your concerns. Even good drivers make mistakes, and a claim is not the end of the world. Depending on what the claim was for and how long ago it took place, the amount you’ll have to pay for that based on higher premiums may be minimal. Overall, there are plenty of things that can make your car insurance rates go up or down, and claims are only a part of that.
Of course, multiple claims (especially serious ones) in a short amount of time can get your insurance canceled, and that can mean you’ll have a hard time getting coverage with another company. Consider that carefully if you have reckless behavior behind the wheel. Driving without insurance is illegal, and the damage it can do to you and others is absolutely not worth the risk. Even if you’re really concerned about past claims and how much insurance is going to cost you, don’t despair. Come in and talk to us and make sure you know all your options. We can help you make a good decision about the right insurance for you.