Obtaining car insurance in Wheat Ridge, CO can seem complicated because there are a variety of options available. The coverage that you need may vary based on several factors, but there are some basic plans that can help you identify the plan that is best for your goals.
A basic policy provides the minimum state standards so that you can drive without facing legal consequences. The minimum standards protect against liability for property damage if you cause an accident and it pays for bodily injuries that you cause in an accident.
Generally, the minimum coverage will not offer protection for your personal vehicle. If you worry that another driver will not have the coverage to pay for damages to your vehicle in an accident, then you may want to purchase additional protection for under-insured drivers.
A comprehensive policy will pay for damages to your personal vehicle if something beyond your control occurs. For example, the plan may pay for damages to your vehicle after a hail storm or when a tree branch falls on the vehicle.
The plan does not usually provide protection against collisions, but you can add the coverage to your policy if you feel that it is required.
Additional coverage can take many forms, such as collision protection or protection against theft. It is the protection that you add to a basic or comprehensive plan to address specific concerns or to protect your vehicle from further damages.
There are several plans available to address your goals and concerns. Depending on the vehicle and your preferences, you can add or remove coverage from a policy so that it addresses your personal goals. Contact us to talk to an agent to learn more about policy options.