Making Sense of Arvada Insurance

The city of Arvada, Colorado, is rich with history, particularly in relation to the gold rush; in fact, the first discovery of gold in the West was in Arvada. Arvada is also a transportation hub of sorts and serves largely as a commuter city to Denver, with a number of major highways running through the area.

But just because it has a history of fortune doesn't mean you need to spend one to insure your vehicle. While Colorado insurance premiums average $738 a year, which is pretty middle of the road, you can still save money on your auto insurance by knowing what types to purchase and how to find the best rates.

Arvada Insurance Requirements

Colorado, like the majority of states, requires a certain amount of auto insurance coverage. You will want to be aware of them when shopping around for your Arvada Insurance quotes. Required coverage in Arvada includes:

  • Bodily Injury Liability. Limits in Colorado require you to purchase at least $25,000 per person for bodily injury in accidents you cause, up to $50,000 per accident. This means if you were to cause an accident and 3 people in the other car were injured, your insurance would pay for up to $50,000 in medical costs.
  • Property Damage Liability. Colorado requires a minimum of $15,000 in property damage liability, which covers property destroyed in an accident.
  • Uninsured/Underinsured. This covers property, medical, and repair costs in the event you are in an accident caused by someone who is uninsured or who does not have adequate coverage. Colorado law requires insurers to provide this, but it can be waived if you choose by rejecting it in writing.
  • Medical Payments Coverage. This is another requirement that must be opted out of in writing if you don't want it, otherwise it will be automatically added. This coverage is $5,000 to cover medical bills.

These are the amounts required by law. However, this is minimal coverage that doesn't even cover your own vehicle in the event of an accident. In order to truly be covered, consider including the following types of insurance in your Arvada insurance quotes as well:

  • Collision coverage. This isn't required by law, but many lenders will want proof that you have collision coverage. This will cover the costs to repair your vehicle, after your deductible, if you are in an accident.
  • Comprehensive coverage. This is also a good idea because it covers non-accident related damages to your vehicle, such as hail damage, cracked windshields, or auto theft.

Finding Arvada Insurance Quotes

Not all companies charge the same amounts for car insurance. Saving money on car insurance is easier if you shop around to compare rates. You can find Arvada insurance quotes for free on, along with all the information you need to get the right type of Arvada insurance for your car.