Personal / Denver Auto Insurance
Denver Auto Insurance
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs.
How much insurance is right for you?
Our team of insurance professionals understands the car insurance needs of our customers. Auto insurance requirements vary by state. In some states, to drive you must carry:
Liability coverage to pay for losses you cause others
No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault
Both liability and no-fault coverage
Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.
Motorcycle & Off-Road
If you’re a road enthusiast, chances are Badger Insurance Advisors covers what you ride. We offer coverage on a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers and touring bikes, to dirt bikes and ATVs.
Are your off-road toys covered? Contact us today to talk about:
- ATV (All-terrain vehicle) insurance
- Dirt bike insurance
- Dune buggy insurance
- Golf cart insurance
- Snowmobile insurance
- Any other motorsports insurance
You May Qualify for Discounts
One of the great advantages of having your motorcycle coverage through a major insurance company like the ones we represent is that you may save money by having more than one policy with us. Our agency will be able to help calculate how much money you can save. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.
Recreational Vehicle Insurance
RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer.
RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage varies by state.
You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:
- Stated Value – market value/actual cash value of the RV
- Agreed Value – the insured amount, regardless of the current market value
- Replacement Cost – replace your insured RV with a new RV that is most like it
Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.
Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.
Other additional coverage can include accident forgiveness, pet coverage, diminishing deductible, and more.
Discounts can lower your premium. Ask if you qualify for safe driver discounts, original owner discounts, package discounts and more. You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars, and boats.
Badger Insurance Advisors is designed to handle your insurance needs. We offer affordable and reliable insurance choices from multiple insurance companies.
Every individual has a unique situation – talk to us today to find out how to get the best price and value on car insurance for you.