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CO Insurance Specialist

6990 W. 38th Ave. #200
Wheat Ridge, CO 80033

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Why basic insurance may be the wrong choice for you

Basic auto insurance is the insurance mandated by the state to comply when driving in that state. At CO Insurance Specialist in Wheat Ridge, CO, we offer our customers personalized service and more choices. As independent insurance agents, we work for our customers, not for one insurance company. 

In Colorado, basic auto insurance is 25/50/15. This is liability coverage only, and it requires $25,000 for the first person injured in an accident, with a total of $50,000 for all injuries and $15,000 for damage to property. If you have a car loan or are leasing your vehicle, you will be required to have coverage on the vehicle itself since the lender or lessor has a vested interest in it. 

If your vehicle has very little value, or you would not want to repair it if damaged, then basic insurance can be right for you. But if you love your car, need your car, and have enough assets to make you an attractive candidate to get sued, then having more than basic auto insurance may be the right option. 

Increasing your liability is probably desirable for most people with assets. When repairing or replacing your vehicle, you need to carry collision and comprehensive coverage. 

  • Collision will repair or replace your vehicle if you have an accident you are responsible for or if you are the victim of a hit-and-run. 
  • Comprehensive covers theft and vandalism to your vehicle. It also covers damage from things falling on it, flooding, and other weather events. 

If you live in Wheat Ridge, CO, or nearby, you can count on our team at CO Insurance Specialist to provide a high level of service and the best possible price. 


Insurance Partners
  • Allied
  • Auto Owners
  • Bristol West
  • CNA
  • Hagerty
  • Hartford
  • Infinity
  • Progressive
  • Safeco
  • Secura
  • State Auto
  • Travelers