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How Much Auto Insurance Do I really Need?

Your auto insurance needs to be based on your individual family needs. Some people may need more coverage if they have teen drivers or have a high net worth. Whether it is a simple liability or full coverage, we have the solutions.

Coverage you should have on all vehicles.

  1. Liability coverage pays to repair the other driver’s car if you caused the accident. It also pays the other driver’s and his or her passenger’s medical bills and some other expenses. Check for state minimums, we always recommend more.
  2. Collision coverage pays to repair or replace your car after an accident.
  3. Comprehensive (other than collision) coverage pays if your car is stolen or damaged by fire, flood, vandalism or something other than a collision.
  4. Medical payments coverage pays your and your passengers’ medical bills. It also pays if you’re hurt while riding in someone else’s car or while walking or biking.
  5. Personal injury protection (PIP) coverage is similar to medical payments coverage. It pays your and your passengers’ medical bills. But it also pays for things like lost wages and other nonmedical costs. All auto policies in Texas include PIP coverage. If you don’t want it, you must tell the company in writing.
  6. Uninsured/underinsured motorist coverage pays if you’re hit by someone who didn’t have insurance or didn’t have enough to pay your medical and car repair bills. It also pays if you’re in a hit-and-run accident. Insurance companies must offer you this coverage. If you don’t want it, you must tell the company in writing.
  7. Towing and labor coverage pays to tow your car if it can’t be driven. It also pays for labor to change a flat tire or jump-start your battery.
  8. Rental reimbursement coverage pays for you to rent a car if yours is stolen or being repaired after an accident. Some policies also pay for taxis or ride-hailing services.

Consider these when buying auto insurance

  • If you are making payments the lender will often require full comprehensive and collision coverage.
  • They type of car you buy will help determine the premium. A Corvette costs more to insure than a Honda.
  • You should increase the deductibles if you own an older car. The higher the deductible, the more premiums savings you will see.
  • Take your environment into consideration when choosing your level of protection. Living in areas with high auto theft and vandalism rates makes having comprehensive coverage more of a necessity than if you reside in Small-town, USA.
  • Drivers who make long daily commutes on dangerous, busy stretches of road may also want to increase insurance coverage to protect against possible collisions.
  • If you use your vehicle for some business use, (i.e.sales) make sure the insurer knows this.
  • Look for a plan that protects you and still fits within your budget. Don’t make the mistake of purchasing expensive auto insurance that doesn’t offer enough protection.

Mountain Insurance – Like shopping for auto home insurance at the supermarket with your own personal shopper!

Who doesn’t like the comical insurance company TV ads? Lizards with British accents and silly Ostriches telling us they can save us money on our auto and home insurance. Those companies, however, only offer a price quote from their company.

Why call a company to get their one quote when Mountain Insurance “shop the market” to find you the best quote from up to 10 different companies?

Shopping your auto and home insurance with Mountain Insurance is link shopping at the SuperMarket with your own personal shopper!

Ready to go shopping?

Just click on the Get A Quote Link on the right side of this page or call (303) 420-4774

Mountain Insurance

The right coverage at the best price. Colorado's trusted insurance advisers since 1997

About Us

We are dedicated to providing our clients with the highest quality in business and personal insurance products and services at the most competitive prices in Denver, CO.

3705 Kipling Street, Wheat Ridge, CO 80033
303 420-4774