Auto Insurance
Auto insurance is more than just a requirement. It may also serve as your protection against losses caused by covered risks.
What Does Auto Insurance Cover? 
The inclusions of your auto insurance may vary depending on the insurer, but a standard policy may cover the following:
- Comprehensive coverage may help pay for damage caused by fire, theft, weather or vandalism.
- Collision coverage may help cover repair costs if your vehicle is damaged in an accident, regardless of fault.
- Bodily injury liability coverage may help pay for medical expenses if someone is injured in an accident you cause.
- Property damage liability may help pay for damage you cause to someone else’s vehicle or property.
- Uninsured/underinsured motorist coverage may protect you if you’re hit by a driver who doesn’t have enough insurance—or any at all. It can also apply in hit-and-run situations.
Why Is Auto Insurance Important?
Drivers in Colorado are required to carry auto insurance before registering their vehicle. Your lender may also ask for proof of a policy, especially if you’re financing your car. Most importantly, auto insurance may be used as a risk management tool to avoid incurring significant losses if your car gets stolen or damaged.
How Much Car Insurance Do I Need?
The amount of car insurance that you need may depend on your insurer. However, the following factors may influence your premiums:
- Your age and location
- Your credit score
- Your driving history
- Your car’s age, make and model
Contact McDonald Insurance Group today to request a personalized quote.