Auto Insurance Quote

-Please fill out the form as best as you can. Please make sure all household members and drivers are listed in the drivers section. Please note: you are NOT binding or purchasing insurance. Please give us one business day, to process your quote.

By Sending this, I hereby Certify All Information To Be Correct, And To The Best Of My Knowledge. I Have Also Listed All Drivers & Household Members. I Also Understand That I Am NOT Purchasing or binding Insurance.

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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.

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

We Are Your Local Travelers Insurance Agents

Looking for a Travelers Insurance Agent? You are at the right place. We are appointed and represent Travelers Insurance and their products. Our agent code is 06×753. We are a full service National insurance agency. Here is a line up of products that we write-through Travelers.

  • Auto/Car Insurance
  • Home Insurance
  • Condo Insurance
  • Renter’s Insurance
  • Landlord Dwelling Insurance
  • Landlord Condo Insurance
  • Personal Umbrella Insurance
  • Commercial & Business Insurance
  • And More!

We service the following area’s in Colorado:

Aurora, Arvada, Colorado Springs, Commerce City, Castle Rock, Denver, , Centennial, Englewood, Greenwood Village, Littleton, Northglenn, Thornton, Westminster, Wheatridge and more. Please visit this link for our map.

If you would like a quote, please contact us during normal business hours, or shoot us an email. Thanks for visiting our site!

Safeco Roadside Assistance

Getting stuck on the side of the road is one of the most worst things can happen. This can be from a flat tire, break down and all other kinds of reasons. That’s why its always good to have roadside assistance. This is a basic break down of Safeco Insurance roadside assistance.

For car, boat and personal watercraft, emergency assistance covers the cost of towing or emergency services. For RVs, it also covers housing and transportation costs if your RV becomes uninhabitable and covers the loss of personal property in your RV. For motorcycles, Safeco has roadside assistance benefit of up to $300 per breakdown.

If you have a towing claim please call 1-800-332-3226. They will be able to assist you 24 hours a day, 7 days a week.

What Being Under Insured On An Auto Insurance Policy Means

It seems like everyday were driving down the road, and we see a distracted driver on their phone, or playing with MP3 player. We also have the mad or late drivers, who are speeding or tailgating to get to where ever they need to go. Some people are just unsafe drivers and one way we protect ourselves against them is our auto insurance.  That is why having a certain amount of liability and under insured motorists coverage can be so important.  In this blog we are going to be focusing on under insured motorists coverage. This is not to be confused with uninsured motorists, even though uninsured motorists and under insured motorists are sold as the same coverage.

At what level are you considered under insured on a car policy?

In most states the department of insurance is the one to determine what being under insured is. This is calculated and based on certain factors. In Colorado, to not be considered under insured, would mean carrying at least 100/300 in liability. Or in other words, $100,000 per person, and $300,000 total per accident. If you carry anything lower such as 50/100 or the state minimum limit which is 25/50, you are considered under insured. These lower limits do have serious gaps in coverage.

Why having an auto insurance policy, that is considered under insured is bad

Accidents can be a life changing event for both parties. If you are considered at-fault in an accident, and only have 25/50 or $25,000 per person and $50,000 per accident, this is most likely not going to be enough for the 3rd party you just hit. 100/300 has and provides a lot more coverage. Anything higher than 100/300 is always going to be a recommended. These higher limits could include, 250/500, 300 CSL and 500 CSL. (Combined Single Limit)

How can I protect myself against under insured motorists?

Make sure that you have enough under insured motorists coverage on your vehicle policy. Also carry as much under insured motorists coverage as possible. This will fill the gaps of coverage, that an under insured motorist wouldn’t have.  It’s also a good idea to add under insured motorists coverage to your personal umbrella if you have one.

According RMII, about 1 out of every 6 people in Colorado drive with out insurance. Overall uninsured motorists cost consumers about 11 billion dollars per year. On top of that there are a lot of consumers who just buy the state minimum liability requirements.  If you have any questions about your policy and under insured motorists, feel free to contact us. Thanks For Reading!

Renting A Car? Things You Need To Know About Insurance Before You Do

I get a lot of questions in my agency, when it comes to renting a car. In this blog I am going to cover what you need to know about insurance, before renting a car. I am going to use a Q & A format, to clear up questions.

  • Will my insurance, follow me to the rental car?

Yes it will, if you already have insurance, you don’t need to buy the rental car insurance. There are coverages you need to make sure you have before doing this. If you have just liability, you need to make a temporary endorsement, and add physical damage coverage. If you don’t have insurance and don’t have a regular car, it is probably best to buy their insurance.

  • What coverages do I need for the rental car.

All rental car rental places will require you to have, state required auto liability insurance, and also physical damage coverage. Most rental car outlets, will require you to carry no higher than a 1000 dollar deductible for both Comprehensive and Collison. If the car gets in an accident, you will be responsible for the deductible.

  • Is there anything else I need to know?

If your rental car is an accident, the rental car place, could technically go after you for loss of use. The loss of use is either while the car is getting replaced or repaired. At this time the car is not operable, and the rental car place can’t rent it out. So technically they can go after you for loss of use. Sometimes your car insurance company will include this in there policies. But some don’t. It is best to check your policy for this. Some credit card companies give you this coverage free, as long as you use the credit card, to rent the car.

Negligent Fire Works On 4th July Fires Up Millions In Property Damage And Bodily Injury Each Year

Independence Day is one of my most favorite days of the year. We celebrate our great Country. We get together with friends and family, enjoy that out doors and bar-b-que. We enjoy the All Star GAme on TV, and sit back relax and drink beer. But there is one thing we all forget. The fact that millions of dollars of property damage and bodily injury occurs each year due to fire works.

According Rocky Mountain Insurance Information , In 2009, fireworks started an estimated 18,000 reported fires, including 1,300 structure fires, 400 car fires, and 16,300 outside and other fires. These fires resulted in one death, 30 injuries and $38 million in property damage (National Fire Protection Association latest data).

On the 4th of July, there are more reported fires then any other day. This makes it difficult for fire and police departments, to respond to emergencies.

Our advice at Denvers Insurance Agency and The Ahbe Group is to leave it up to the professional’s. Keep in mind that the most commonly injured person from fire works, are young children, usually from a sparkler. Sparklers can burn up to 1200 degrees.

Our advice for the fourth of July is to be safe, and leave the fireworks to the pros. Here is a list in Colorado of upcoming fire work displays for 2011, courtesy, The Denver Channel.