Auto Insurance | Get A Free Car Insurance Quote | Denver, Colorado

Auto & Car Insurance Program

If you are looking for auto insurance, look no further. We offer free car insurance quotes to all of our clients. We offer insurance from our top 15 companies, and offer some of the most competitive rates in Denver & Colorado. Our agents put together comprehensive auto insurance policies with superior coverage.

We Insure All Drivers

We insure anyone and everyone. This includes any where from a young driver, to drivers who have a DUI(s) needing sr22 insurance, to preferred drivers who have good credit and a clean driving record.

Coverages We Offer:

  • We can write-up to a half million dollar combined single liability limit.
  • We Offer up to $25,000 in medical payments coverage.
  • Under insured or uninsured motorists is available on all policies.
  • Comprehensive and collision coverage is available, with deductibles as low as 250 dollars.
  • Roadside assistance and rental car reimbursement available.
  • Lien/Lease Gap Coverage Available.
  • Uninsured Motorists Property Damage Available for “Liability Only” Policies

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Denver Auto Insurance Quote!

We offer up to 10 personal lines companies for auto insurance. To get a free Denver car insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

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Authorized Foremost Insurance Agency | Get A Free Insurance Quote

Looking for a Foremost Insurance Agency in the Metro Denver area or Colorado? You are at the right place. We are appointed and represent their products. Our agent code is 0501699. We are a full service National insurance agency. Here is a line up of what we do.

  • Auto/Car Insurance
  • SR22 Insurance
  • Specialty Home Insurance
  • Landlord Dwelling Insurance
  • Mobile & Manufactured Home Insurance
  • Motorcycle Insurance
  • High Claims Experience
  • High Risk Properties
  • And More!

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

SR22 Insurance | DUI And High Risk Insurance | Get A Free Quote

Sr22 Insurance, DUI & High Risk Insurance

We offer competitive SR22 & high risk insurance rates. As independent insurance agents and insurance brokers, we offer some of the most competitive rates in Colorado. We make the process easy and pain-free. All documentation is available as soon as we sell you a policy. This includes both paper and electronic filing.

We Insure All Drivers

We insurance anyone and everyone. This includes anywhere from drivers who don’t have any points left on their license, to someone who has gotten 3 dui’s, in the past year. The only exception is someone who has a permanently revoked license.

Coverages We Offer:

  • We can write-up to a half million dollar combined single liability limit.
  • We Offer up to $25,000 in medical payments coverage.
  • Under insured or uninsured motorists is available on all policies.
  • Comprehensive and collision coverage is available, with deductibles as low as 250 dollars.
  • Roadside assistance and rental car reimbursement available.
  • Lien/Lease Gap Coverage Available.
  • Uninsured Motorists Property Damage Available for “Liability Only” Policies

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free SR22 Insurance Quote!

We offer up to 6 personal lines companies for sr22 insurance. To get a free sr22 car insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

Why When Shopping Auto Insurance, You Are Asked About Your Previous Insurance?

When shopping for auto insurance, you have to provide a lot of information. The reason for this is  an insurance company needs to properly assess you as a risk, and to find a car insurance policy that is best for you. The questions an  insurance company asks is to assist in  pre-qualifying an insurance policy.  At this time, a good insurance agent will take time to make sure your coverages are adequate for what you need.

To explain why insurance companies and agents ask this information, we are going to explain in a Question & Answer format.

Do You Currently Have Insurance?

Answer: Helps assess risk of driver. Statistics show people who have previous insurance are a lower risk to insure than someone without insurance.  If you have previous insurance, you will most likely get a better rate.

How long have you had insurance with the current company?

Answer: Drivers who have maintained insurance for a long period are a lower risk to insure. Its is proven that people who stay with their previous company for a long period also stay with a new company for as long.  Drivers with 3 years with the same company are going to get the best discount.

What company are you with?

Answer: The agent or company needs to know if you are with a standard company or a non-standard company. Naturally a standard driver, with a standard company, is less risky to insure. Therefore they will most likely get a better rate.

What are your current liability limits?

Answer: People who are underinsured are a  higher risk to insure. If you don’t carry at least 100/300 liability limits or higher, your current policy is lacking coverage.  If you carry 100/300 or higher, you are less of a risk to insure, therefore you will most likely get a better rate.

Overall,  insurance companies ask these questions as a determining factor on how they will set up an insurance policy and how much premium needs to be charged. If you have had continuous insurance for 3 years with 100/300 limits or higher with the same company, you are going to be a prime risk when shopping around on auto insurance. If you would like an auto insurance quote, please contact us.

The General PGAC Indepedent Insurance Agent In Denver, Colorado

Looking for a Local PGAC agent? Look no further because we are exactly that. We are appointed agents. Click HERE to see our local listing on PGAC’s website.

Call us for a free quote @ 303-219-4985

About PGAC

They Insure most cars and drivers
Permanent General specializes in “non-standard” or “specialty” auto insurance, which is auto insurance for people who are quote “high risk”. This includes relatively drivers that are new to the auto insurance market, or who have been dropped by their former insurance carrier because of their driving records. PGAC also offers Sr22 filing.

They Offer Low down payments, convenient monthly payments
They offer low down payment options to every policyholder coupled with convenient monthly payments plans if you so choose. In most cases they combine their budget-sensitive plans with electronic verification of driver information and vehicle information when the customer is buying the policy so there are no surprises in the future. They also offer payment by credit card or check online.

Quality Claims Handling and Customer Service
Policy holders receive top notch service. PGAC claims department are focused on serving the customer to complete the client to satisfaction. Many questions and needs can now also be resolved online.

Financially Stable
A.M. Best recognizes PGAC financial strength and stability with a A – “Excellent” rating

What Is Sr22 Insurance?

Well lets first start out with the fact if your reading this blog and had to have it, you already know what it is and its not fun, and puts a dent in your pocket book. Also people think that all you have to do is pay an sr22 fee, on top of the insurance rate. But it also increases the overall premium.

The reason why you would need sr22 insurance is because, you got a serious moving violation, such as a DWI, DUI, driving without insurance and so on and so forth. At his point the DMV determines, that in order to maintain or reinstate your license, you must maintain sr22 insurance, for the stated time they determine.

The process is pretty simple in how it works, when you purchase a policy, the insurance company will notify the DMV, that you are maintaining auto insurance. This is all done electronically these days. In the event that your auto insurance is canceled for any reason, the DMV is notified. This could be for such reasons as not paying your insurance premium or the policy is being non-renewed. If you don’t maintain sr22 insurance the time the DMV requires, they will most likely suspend your license. From here you will have to file again, to re-instate your license.

In Colorado, the DMV will make you get sr22 insurance sometimes, even if you don’t own a vehicle. At this point you would need to purchase a non-owner policy. Pretty much it means, you have insurance, with out owning a vehicle. Also in this case its based strictly off your record.

I know this was simple short blog, but if you have any questions please contact us.

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