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Eliminate the Sales Pitch: Auto Insurance that fits your Life

By: Eric Erickson Wednesday November 13, 2013 comments

Every day, we are inundated with deals and offers that promise the best auto insurance rates around. Talk is cheap, but choosing the wrong car insurance can be very expensive. In Fort Collins, you need insurance that fits your budget and rewards your safe driving. Don’t wade through the sea of sale pitches, Insurance By Phone can be your independent insurance agent. They find the best policy for you based on your individual needs.

Comprehensive, Liability, SR 22 and More

The state of Colorado requires anyone operating an automobile to carry liability insurance. Liability insurance must cover damage caused by you at a minimum of $25,000 per person for bodily injury, $50,000 per accident, and $15,000 for property damage. If you own your vehicle, liability insurance is the most basic, inexpensive form of auto insurance. It does not cover damage to your own vehicle, but your premiums will be considerably lower than comprehensive insurance.

There is a trusted name in Fort Collins auto insurance. Insurance By Phone can help you find the cheapest rate available, or a premium plan with additional optional coverage. Just let us know whether or not you are looking for full coverage or simply liability coverage, and a quick search will uncover the best possible rate. Your entire transaction can be completed by phone, letting you get on the road with the security of auto insurance.

Just Getting Started? We Can Help

For first time insurance buyers, an independent insurance agent is the best way to find out what type of coverage works for you. If you are financing a car, your lender will require comprehensive coverage that protects you, and your lender, for damages to your car that are your fault, as well as incidents of theft or vandalism. 

Most policies last either six months or one year before they have to be renewed. If you become eligible for additional savings, your independent Insurance By Phone agent will let you know. We work with multiple insurers to connect you with maximum savings. A free quote can start you on your way. Your bill payment is made easier as well. Generally, you can either pay your entire premium up front, or simply pay the first and last month. Your monthly payment can be easily processed through our website.

Coverage Options

While liability insurance is required by the State of Colorado, you may choose optional coverage for your policy that can protect your out-of-pocket expenses when you need repairs to your car after an accident, or after unforeseen events become costly. The independent insurance agents at Insurance By Phone will recommend certain additional coverage options that can help protect you and your car. Here are some coverage options that you may want to consider:

  • Collision Insurance – This pays for repairs to your vehicle after an at-fault accident. Claims against your collision insurance can increase you premiums, but the additional cost may be worth it compared to the expense of car repairs
  • Medical Coverage – When an auto accident leads to injuries, medical coverage on your automobile policy can help pay for hospital bills, rehabilitation, lost wages, and even funeral expenses. Colorado law requires liability coverage for personal injuries, but additional medical coverage will pay your expenses without regard to who is at fault
  • Uninsured/Underinsured Motorist Bodily Injury Insurance – If you are injured as a result of an accident caused by a driver without insurance, or with non-compliant insurance, this coverage will help pay your medical expenses
  • Comprehensive Insurance – This is often required for bank-owned automobiles, or to protect your own valuable purchase. Comprehensive insurance covers repairs to your car in case of theft, vandalism, or fire, as well as other events specified by your particular policy

What is SR-22 Insurance?

If you have been told by the Department of Motor Vehicle that your need a SR-22, that means that you must carry a form providing proof of current coverage. This is often required of individuals that have been convicted of certain traffic offenses, such as a DUI/DWAI or driving without insurance. After selecting your policy, Insurance By Phone can provide this form and file it with the DMV.

Finding the right insurance can be nerve-wracking. In Fort Collins, auto insurance buyers trust the simple, inexpensive way to find the best rates and the best policy for you. You don’t want to get saddled with a rate that you can’t afford, or with limited coverage that doesn’t protect your or your car. For Fort Collins drivers, Insurance by Phone is the quickest way to find the right policy for you.

Eric Erickson

About the Author: Eric Erickson

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