Auto Insurance in Colorado Springs, CO

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Diverse Policy Options for Colorado Springs, Colorado, (CO) Drivers

Whether you’re headed to the Rocky Mountains or cruising downtown Colorado Springs, protect your investment with the right Colorado Springs auto insurance policy. With a population well over 470,000, Colorado Springs is home to a vibrant community and plenty of drivers. Navigate the busy city streets and winding Colorado roads with a policy designed for your vehicle and driving style. Create a Colorado Springs, CO auto insurance policy that protects your vehicle without costing too much each month.

Find the Right Policy

At VIU by HUB, our team works with you to identify the Colorado Springs, CO auto insurance policy features that fit your lifestyle. Here are four common features to consider when looking for auto insurance:

  1. Bodily injury coverage
  2. Property damage coverage
  3. Collision coverage
  4. Comprehensive coverage

The first two policy features are required for drivers in Colorado. Your Colorado Springs auto insurance must include these to protect you from medical and property replacement expenses in the event of an accident. If you’re found at fault in a collision or other auto accident, you must pay for the medical fees, lost wages, vehicle damage and any other property damage involved in the incident. With bodily injury and property damage, these expenses are covered by your insurance provider.

The next two policy features, collision and comprehensive, are optional. These are designed to protect your investment. When your vehicle is damaged in an accident or while driving, your collision coverage may be able to cover most of your expenses. You must first pay the deductible, then your insurance provider will pick up any additional expenses.

Comprehensive coverage operates in a similar way but protects your vehicle even if you’re not driving. In the event of a fallen branch, fire, theft or other qualifying disaster, your VIU by HUB Colorado Springs, CO auto insurance policy will pick up the tab after the deductible is paid.

Personalize Your Premiums

The best part of VIU by HUB Colorado Springs, CO auto insurance is highly personalized plans. Your premiums, or the monthly bill for your insurance, are an investment. Low premiums may not protect you from every costly accident, so it’s important to make sure you have the right coverage. Your monthly premiums can vary dramatically based on these factors:

  • Driving history
  • Average miles driven annually
  • Type and age of vehicle
  • Coverage features
  • Deductible amounts
  • Age and other demographics

Some Colorado Springs, CO auto insurance features, like your location, aren’t adjustable. Many others, such as your deductibles, coverage types and miles driven are adjustable. Work with your local VIU by HUB broker to create a policy that fits your driving habits. Driving less, increasing deductibles, and removing collision and comprehensive coverage may lower your monthly premiums, but lowering your deductible and increasing your coverage may be just the investment you need to protect your vehicle.

One of the best things you can do to lower your premiums is to drive safely. A poor driving history is a major factor in the cost of your premiums, so drive safe and avoid driving late at night if possible. Rush hour traffic is another common time for auto accidents, so pay careful attention to the road as you navigate downtown Colorado Springs.

These factors are weighed differently, so it’s difficult to say exactly which factor affects your premium the most. A local team of Colorado Springs, CO auto insurance experts is your best resource for determining the best balance of protection and affordability, so personalize your premiums with the help of VIU by HUB.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

Auto insurance in Colorado by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.