Auto Insurance

For some people, a car is a necessary part of life. Without it, we feel stranded, helpless. For others, it’s an endless source of fun and excitement. No matter which kind of person you are, and no matter what kind of motor vehicle you drive, the right auto insurance policy can help get you back on the road quickly if you car is damaged or destroyed by accident, fire, theft, or other covered events.

Insurance for all kinds of Colorado drivers

Affordable American Insurance can insure more than just your car. We insure all kinds of vehicles, including: motorcycles, classic cars, motor homes, RVs, boats, Jet Skis, and ATVs too.

Colorado—how much auto insurance is right for you?

Based in Colorado, Affordable American Insurance understands your unique auto insurance needs. Our local agents can inform you about the insurance requirements Colorado drivers must meet. In most states, to drive you are required to carry:

  • Liability Coverage—pays for losses your vehicle causes other people; or
  • No-Fault Coverage—pays you and your passengers for medical and other related expenses caused by injuries from an auto accident, regardless of who is at fault; or
  • Both coverages.

All drivers are required by law to pay for losses they cause others even if your state doesn’t require coverage. Auto insurance is the easiest way for most people to comply with the law.

If you finance a car, it is usually necessary to have insurance that covers damages to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damages to your vehicle in an automobile accident when you are deemed “at fault.” Standard collision coverage pays for repairs based on the fair market value of your vehicle. Collision coverage usually includes a deductible, the amount you pay toward repairs before collision insurance kicks in.

Comprehensive Coverage

Comprehensive insurance covers damages to your vehicle caused by any unknown party or “act of God.” This includes damages caused by vandalism, theft, flood, hurricane, windshield damage, fire, etc. Like collision coverage, comprehensive insurance coverage will pay up to the fair market value of your car. It’s not required by law to have comprehensive coverage. But you will probably need it if your vehicle is financed.

AAI can help you find an auto insurance policy that’s right for you. Contact one of our local Colorado agents today.

Carrier Partners