Auto Insurance
in Colorado Springs
Find the right car insurance for your needs with help from a local independent agent. McCloskey Advisor Group helps drivers compare coverage options and find protection that fits their vehicle, budget, and lifestyle.
DRIVE WITH CONFIDENCE
Auto insurance can help protect you financially if you’re involved in an accident, your vehicle is damaged, or someone is injured. Whether you need basic liability coverage or broader protection, we can help you understand your options and compare quotes from multiple insurance companies.
COVERAGE THAT HELPS PROTECT YOU ON THE ROAD
3 KEY BENEFITS
LOCAL GUIDANCE
Work with a Colorado independent agent who can help explain your options.
MULTIPLE CARRIERS
We shop several insurance companies to help you compare coverage and price.
PERSONALIZED COVERAGE
Choose protection based on your vehicle, driving habits, and budget.
Common Auto Insurance Coverages
Here are some of the most common coverages available on an auto insurance policy
Liability Coverage
Helps pay for bodily injury or property damage when you are legally responsible for an accident.
Collision Coverage
Helps pay to repair or replace your vehicle after a covered collision, subject to your deductible.
Comprehensive Coverage
Helps protect against covered non-collision losses such as theft, hail, fire, vandalism, and animal damage.
Uninsured Motorist Coverage
Helps provide coverage when an at-fault driver has no insurance or does not have enough insurance.
Medical Payments Coverage
Helps pay eligible medical expenses for you and your passengers after an accident, up to the selected limit.
Roadside Assistance
Provides help with covered roadside emergencies such as towing, jump-starts, flat tires, lockouts, and fuel delivery.
What Can Affect Your Auto Insurance Rate?
Several factors can affect the price of your auto insurance, including:
- Your driving history
- Age and driving experience
- Vehicle type and value
- Coverages and deductibles selected
- Where you live
- Number of drivers on the policy
- Annual mileage
- Prior insurance history
Why Work With McCloskey Advisor Group?
As an independent agency, we work with multiple insurance companies to help you compare options in one place. We take time to explain coverages clearly, answer your questions, and help you choose the protection that makes sense for your situation.
Compare quotes from
multiple carriers
Clear explanation of
coverages and deductibles
Help for standard
and higher-risk drivers
Friendly local service
when you need it
Auto Insurance Solutions
for Many Types of Drivers
We help Colorado drivers compare coverage for different vehicles, households, and insurance situations.
Auto Insurance FAQs
Answers to common questions about car insurance in Colorado from McCloskey Advisor Group, your local independent agency in Colorado Springs.
What are Colorado’s minimum auto insurance requirements?
Colorado requires liability coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. These minimums may not be enough to protect your assets, so many drivers choose higher limits or add a personal umbrella policy for extra liability protection.
Is uninsured motorist coverage required in Colorado?
Colorado insurance companies must offer uninsured and underinsured motorist coverage, and it is included on your policy unless you reject it in writing. This coverage can help protect you if you are hit by a driver with little or no insurance.
Does auto insurance cover hail damage in Colorado?
Hail damage to your vehicle is typically covered under comprehensive coverage, subject to your deductible. Liability-only policies do not cover damage to your own vehicle.
What is an SR-22 and can you help me get one?
An SR-22 is a certificate your insurance company files with the state to show you carry the required liability coverage, often after certain violations or a license suspension. We can help you find an insurance company that offers SR-22 filings.
How can I lower my car insurance rate?
Options may include bundling home and auto, raising your deductibles, maintaining a clean driving record, asking about available discounts, and comparing quotes from multiple insurance companies. We can review your policy and shop options for you.
Can I bundle my home and auto insurance?
Often, yes. Many insurance companies offer a multi-policy discount when you combine home insurance or renters insurance with auto. We can compare bundled and separate options to find the best overall value.
What information do I need for an auto insurance quote?
Have each driver’s name, date of birth, and license number, your vehicle year, make, model, and VIN, and your current declarations page if you have one. This helps us compare accurate quotes. Request your free auto insurance quote.
Should I switch auto insurance companies mid-policy?
You can usually switch at any time, but make sure your new policy is active before you cancel the old one to avoid a gap in coverage. We can help you time the change correctly.