Loveland Car Insurance

Loveland, CO, has excellent fly fishing and also has the Rocky Mountains as its scenic backdrop. It's well-known as the Sweetheart City and home to valentines everywhere. 

If you're one of the 76,701 residents that cruise these iconic roadways, you'll need coverage. An independent insurance agent has access to the best policies and pricing on the market. You can connect with a local expert in minutes to start your policy search. 

Does Personal Car Insurance Cover Uber Services in Loveland, CO?

Most personal auto policies exclude livery-for-hire or rideshare services. That means if you drive for Uber or Lyft, you could be without coverage. Since you are technically operating a business, you'll need to insure your exposures. 

Commercial vehicle insurance will have coverage for your operations and passengers. If an accident occurs, a business policy will pick up the loss. Discuss your commercial insurance options with a Loveland independent agent. 

Why Your State Minimum Limits in Loveland, CO, May Not Be Enough

In most states, you're required to carry car insurance to use the roadways. In Loveland, CO, you need the state-mandated limits to drive. While something is better than nothing, it's not always enough. Check out the required auto insurance for Loveland, CO:

• A minimum liability of $25,000 per person/ $50,000 per accident/ $15,000 property damage.  

Whether you drive an SUV or an ATV, minimum limits of liability are not usually enough to cover an average loss. When you want to be sure you have the right amount of protection, connect with an adviser. A Loveland independent agent can do a full policy review at no cost. 

Optional Auto Coverages Could Be Necessary for Loveland, CO

The majority of consumers may not be aware that they are underinsured. Your auto policy comes with minimum limits of liability and everything else you'll need to add. Talk with a local adviser to review your coverage. In the meantime, check out some options:

• Uninsured/underinsured motorists or UM/UIM: This coverage will pay for your expenses arising from an accident with an uninsured at-fault driver. Nationally, there are 13.0% uninsured drivers and 13.3% in Colorado.
• Gap coverage: This pays for the difference in your remaining loan balance and the market value when a total loss occurs.
• Tow coverage: This will pay for a tow truck to tow a covered auto due to a loss.
• Rental car coverage: This will provide reimbursement for a rental car when your covered auto is damaged. 
• Comprehensive coverage: This will pay for property damage to your vehicle that is hit by an unavoidable object.
• Collision coverage: This pays for property damage to your car in the event of a crash.

To ensure you're getting all the protection you need, connect with an expert on your current coverage. With everything being a la carte, you'll need to choose wisely. Speak with a Loveland independent agent for coverage questions. 

Ways to Save Premium on Your Loveland, CO, Car Insurance

If you want to obtain lower rates on your auto insurance, you can do a few things. An independent agent can assist in making sure you're getting all the savings you can. Check out rating factors the insurance companies use below:

While you can't control everything that affects your rate, it's good to know how it might impact your costs. Local crime and catastrophes are two items you won't be able to alter, and they do have an impact on your expenses. In the meantime, let's take a peek at the auto theft rates per 100,000 people:

• National average: 228.9
• Colorado average: 380.5
• Loveland average: 134.3

Carriers will also award a 30% discount or more for bundling your auto and home insurance with the same company. There are other ways a professional can help you save. Contact a Loveland independent agent for the lowest premiums.

How to Work with an Independent Insurance Agent in Loveland, CO

If you're searching for the best car policy at a low cost, an independent insurance agent can help. They have access to several carriers, giving you options. Since they work on your behalf at zero cost to you, you'll save time and money. 

The most effective way to save premium and obtain the right coverage is through an adviser. TrustedChoice.com has a network of local experts ready to help. Use the find-an-agent tool to get started.