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Just give me the basic Auto Insurance

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Let’s be honest—how can insurance ever be a true comparison when no two people, cars, or driving habits are the same? I drive a 2017 Chevy Traverse. You might drive a 2000 Ford F-150 or a BMW. I commute 25 miles a day; you may only drive 25 miles a week. Our risks and exposures are very different—so why should our coverage be identical?

Here’s something most people don’t realize:

Colorado’s state minimum auto liability limits are $25,000/$50,000/$15,000. These were established back in 1968 and haven’t been updated. Ask yourself—what’s the average cost of a vehicle today? Do you think $15,000 is enough to replace it if you cause an accident? Or that $25,000 will cover medical bills, lost wages, and recovery time if someone is injured?

In many crashes, injuries are involved—and under Colorado law, the injured party has three years to pursue a claim. Your policy pays only up to its limits, and then you’re responsible for the rest—whether it’s medical expenses, lost wages, or even a fatality.

Think you’re safe because you don’t own assets? Consider this: the court can order up to 40% of your income to be garnished—for the rest of your life—until the full claim is paid. That’s a risk most people can’t afford to take.

Here’s the good news:

In many cases, you can quadruple your coverage for just a few dollars more. Doubling to $50,000/$100,000/$50,000 may cost less than $15/month extra. Bumping it to $100,000/$300,000/$100,000 often costs the same—or less—because insurance companies see that you’re more responsible. And if you go with $250,000/$500,000/$100,000, you can qualify for a $1 million umbrella policy—a major layer of protection for your income, your assets, and your peace of mind.

An umbrella policy also includes legal representation if you're ever sued. That’s what I call an affordable retainer.

Protect your family, your future, and everything you’re working for. Don’t settle for the minimum—get the coverage that protects you in real-life situations.

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Give us a call at All About Insurance for a no-obligation insurance check-up:
📞 970-292-8116