Thornton Insurance: What You Need and What You Don't

Thornton, Colorado, pretty much has it all-close proximity to Denver, beautiful views and easy access to the Rocky Mountains, and pro sports teams, shopping, museums, and plenty of outdoor recreation.

If you live in Thornton, you probably spend a lot of time in your car as you take advantage of all that the city has to offer. For that reason, it's imperative that you have adequate auto insurance coverage.

What Are Colorado Insurance Requirements?

Each state varies in its requirements for auto insurance coverage. Colorado is a tort state, which means the person at fault in the accident is responsible for all compensation to the victim, including medical expenses, lost wages, and pain and suffering. Your Thornton insurance quotes should include, at minimum:

  • Bodily Liability --$25,000/$50,000. This type of coverage will cover medical costs of $25,000 for one person or up to $50,000 for all injured parties.
  • Property Damage --$15,000. This covers any property you damage during the accident. This can range from their car to a neighbor's fence you run through and possessions.

Keep in mind that this is the bare minimum required to legally drive your vehicle and only covers damage to the victims' vehicle and property and medical expenses, not your own.

Not only that, but these required numbers can add up quickly. Once you reach your insured limits, all other costs become your responsibility. So let's say you are driving along and swerve to avoid a cat in the road. In doing so, you lose control of your car and crash into someone's garage, which happened to be storing a very expensive car. The estimate comes back, and damage to the garage and vehicle is $20,000. With minimum coverage, you will have to pay the remaining $5,000 yourself. When accidents are serious and medical bills are also involved, these costs can be astronomical. If you don't have enough money, your own property can be seized to cover expenses.

What Is Adequate Thornton Coverage?

As you can see, just one serious accident and inadequate coverage can put you in financial ruin. That's why, when getting your Thornton insurance quotes, you should strongly consider increasing your liability limits. To give you an idea, Colorado averages for bodily liability are $100,000/$300,000 and property damage averages $50,000.

In addition, don't forget to protect your own vehicle. Comprehensive coverage will also cover the costs of damage to your car in an accident. It will raise the price of your Thornton insurance, but you can save through higher deductibles or looking for discounts.

Where Can I Find Thornton Insurance Quotes?

Another way to save on your auto insurance is to find and compare Thornton insurance quotes. You can research Colorado insurance and then compare quotes for free on This comprehensive site will provide you with everything you need to know to get adequate coverage.