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WestCo Insurance LLC

9235 N Union Blvd., Ste. 150 #385
Colorado Springs, CO 80920

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Factors That Affect the Type of Auto Insurance I Should Buy

Colorado residents are required to purchase liability automobile insurance that covers the other party’s bodily injury as well as property damage incurred in a wreck. This is because Colorado is an at-fault state, and you are liable for expenses resulting from an accident you cause. 

A minimum of $25,000 coverage is needed for bodily injury and death for one individual and $50,000 for bodily injury and death per collision. You also need to carry $15,000 worth of indemnification to reimburse for costs related to the other party’s vehicle and possessions. 

Other factors may influence your decision to purchase additional insurance products, such as owing a balance on your car. Your lender will almost always require that you purchase full coverage, and this protection will include comprehensive and collision insurance.

Collision indemnification pays for repair expenses to your car related to striking an object or other vehicle while in motion. Comprehensive reimburses you for damages that are not associated with an accident. This can be helpful if you live in a location with severe weather or are in an area prone to vandalism or theft. 

If you are someone who travels extensively, you may consider other types of indemnification, such as underinsured motorists or uninsured motorists. You can ask your Westco Insurance LLC representative for more details about how this can provide a shield for your financial assets in the event you are involved in a wreck caused by a person with no insurance. When there is a significant gap between market value and what you owe, gap insurance can help cover the rest. 

Westco Insurance LLC aims to provide Colorado residents with superior service in meeting all their insurance needs. We invite you to reach out to us by calling, stopping by our office, or contacting us online. 

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Why work with us?

  • Locally owned and operated.
  • Policies that meet & exceed expectations.
  • Get an Annual Policy review.
  • We shop top carriers to find the best rate.
  • Solutions for complex situations (in the trees, too far from fire department, T-lock shingles, manufactured homes, etc.)
  • Dropped by your current carrier? We’ll find you a new one.
  • Lower hail deductibles
  • No “cosmetic hail exclusions”
  • Standard and non-standard auto rates/ SR22
  • A percentage of all profit goes back to Charitable causes

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