Auto Insurance in Colorado Springs & Denver, CO

Good Drivers are Responsible Drivers

Having proper Auto Insurance ensures your independence behind the wheel. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen.

At Legacy Insurance , we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs.

Your car is valuable to you. In fact, it probably represents one of your most expensive investments. To protect all you’ve put into your vehicle, you need auto insurance. 

As your trusted source for car insurance, Legacy Insurance offers a variety of coverage and additional protection options, such as:

• Liability Coverage
• Comprehensive Coverage
• Collision Coverage
• Uninsured & Underinsured Motorist Coverage
• Diminishing Deductible
• Accident Forgiveness
• Minor Violation Forgiveness
• Roadside Assistance
• Specialty Auto Insurance
• 24-Hour Customer Service
• Towing
• Rental Reimbursement
• Personal Injury Protection (PIP)
• Medical Payments Coverage

Why Auto Insurance?

Having auto insurance is required by law in most states. Auto insurance protects you from the costs you could incur by hurting someone or damaging their property with your car. It can also cover damage to your own vehicle, either from an at-fault accident or from other perils, like falling objects, animals or theft. Since mandatory minimum coverage requirements differ with each state and policies vary with protection options, it is important to talk to a specialist at Legacy Insurance to create a policy that insures your needs.

What is auto insurance? 
Essentially, car insurance is a contract between you and an insurance company. It’s there to protect you from financial losses because of accidents you cannot control. If you have a wreck or other accident, your insurer agrees to pay for some or all the vehicle’s damage and other losses. For the simple cost of a policy premium, you’ll have financial security in case of unfortunate mishaps. 

What do auto policies cover? 
Almost all drivers have choices about what’s in their policies. Most can contain a variety of protections: 

Other coverage offers help for roadside assistance and rental car coverage. 

Ask your agent how to add these protective elements to your coverage. 

Why do you need car insurance? 
Most states require you to carry at least some of this coverage, usually liability insurance. Still, don’t sell yourself short by taking the bare minimum in protection. Let your agent help you determine a more comprehensive coverage portfolio. 

We cannot understate the importance of having adequate coverage. It will help you protect yourself financially. Rather than put your savings on the line trying to pay for a damaging accident, let your insurance step in. In the end, you’ll be glad you always carried coverage. 

Questions to ask your agent 
From initial contact to ongoing policy support, we’re here to help you make the most of car insurance. Our independent agents fully understand the intricacies of individual policies. We guarantee you’ll always have a support system in us. Here are a few things to consider as you prepare to get covered:  

• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)  

• What is the insurance company's level of service and ability to pay claims?  

• What discounts are available? (Ask about good driver, multiple policy and student discounts.)  

• What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)