Questions & Answers

It depends on your driving record, ZIP code, vehicle, age, credit-based insurance score, and the coverage you choose. Rates for the same driver can vary a lot between companies, which is why comparing 14+ carriers matters.

The cheapest company is different for every driver. One carrier may be lowest for a clean 40-year-old and highest for a 19-year-old with a ticket. Shopping several carriers at once is the only reliable way to find yours.

Yes, if you carry comprehensive coverage, which is part of a full coverage policy. Liability-only insurance doesn't pay for damage to your own car.

If your car is financed or leased, your lender requires it. If you own it outright, compare the extra cost against what the car is worth and what you could afford to replace. I'll show you both numbers.

Yes. Some carriers require a coverage history, but not all. See no prior insurance.

Yes, and most carriers give you a multi-policy discount. I'll quote it both ways.

Most Colorado drivers keep an SR-22 on file for three years. Your exact requirement depends on your violation and is listed in your DMV notice. Keep your policy active the whole time.

The filing usually carries a small one-time fee. The real cost is the policy, which depends on your record, vehicle, ZIP code, and carrier. Prices vary widely for SR-22 drivers, which is why I compare 14+ carriers.

Your insurer must notify the Colorado DMV, and your license can be suspended again. If you switch carriers, the new SR-22 needs to be filed before the old policy ends.

Yes. A non-owner SR-22 covers you when you drive cars you don't own and satisfies the DMV requirement. It's often the most affordable option.

In most cases, the same day your policy starts. Your carrier files it electronically with the Colorado DMV, and I'll confirm it went through.

Yes. Some carriers require prior coverage, but not all. I work with carriers that offer options for drivers starting fresh.

Once your required period is over, your carrier can file an SR-26 with the DMV to end the filing. Check with the DMV that it's cleared before you change anything on your policy.

No. The SR-22 is a certificate that proves you have insurance. You still need an auto or non-owner policy behind it, and that's what I shop for you.

It's a liability policy that covers you, not a specific car, plus an SR-22 filing with the Colorado DMV. It follows you when you borrow or rent a car and satisfies your SR-22 requirement.

Generally, drivers who don't own a vehicle and don't have regular access to one in their household. If you live with someone whose car you drive every day, most carriers will want you listed on that policy instead.

Yes. Many carriers won't write drivers with a recent DUI, but some do. I know which ones and can compare them in one call.

It depends on your home's rebuild cost, roof age and material, location, wildfire and hail exposure, claims history, and deductible. Colorado is a high-hail state, so prices vary a lot between carriers. I compare them for you.

Most policies cover hail and wind, but many Colorado policies carry a separate wind/hail deductible, often a percentage of your dwelling coverage. Some older roofs are covered at actual cash value instead of replacement cost. I'll explain both before you buy.

Instead of a flat amount like $1,000, your wind/hail deductible is a percentage of your dwelling limit. On a $400,000 dwelling limit, a 1% deductible is $4,000. Know this number before a storm, not after.

Standard homeowners policies generally cover fire, including wildfire. In higher-risk areas, some carriers limit what they'll write, which is why shopping several companies matters.

No. Flood is a separate policy. If you're near a creek or in a low area, ask me about flood coverage.

Yes. Most carriers discount both policies when you bundle. I'll quote it bundled and separately so you see the real savings.

Condo insurance, also called an HO-6 policy, covers what your HOA's master policy doesn't: the interior of your unit, your belongings, your liability, and certain assessments from the HOA.

Only part of it. Some master policies cover "bare walls" only, meaning you're responsible for floors, cabinets, fixtures, and upgrades. Others cover more. Your HOA documents tell you which, and I'll help you read them.

If a big claim exceeds the HOA's policy, or hits its deductible, the association can bill each owner. Loss assessment coverage helps pay your share. It's important in Colorado, where hail can damage a whole complex.

Enough to rebuild your unit's interior and replace your belongings, plus liability. Your HOA bylaws often set a minimum. I'll match your limits to what the master policy leaves to you.

Yes, and most carriers discount both.

State law doesn't require it, but many Colorado leases do. Even when it's optional, your landlord's policy covers the building, not your belongings or your liability.

Your personal property, your liability if you injure someone or damage their property, and extra living expenses if a covered loss forces you out of your home.

Renters insurance is one of the most affordable policies you can buy. The price depends on your coverage amount, deductible, and location, and it's often cheaper when you bundle it with your car.

Yes. Once your policy starts, I can send proof of insurance to you or your property manager the same day.

Usually not, unless they're listed on the policy. Most roommates are better off with their own policy.

Personal belongings stolen from your car are often covered by renters insurance, not car insurance. The car itself is covered by your auto policy.

Yes. You work directly with me, Grace, a licensed insurance agent in Colorado. No call centers, no bots, and no automated replies. Call or text 720-984-7311.

Yes. Call or text me evenings and weekends too.

Nothing extra. Carriers pay agents, and the price you see is the price you'd pay. The difference is that I compare 14+ companies for you.

For car: driver's license info, vehicles, and your current policy if you have one. For home: your address, roof age, and current declarations page. For condo: your HOA's master policy summary. A photo of each is fine.

No. My office is in Aurora, and I serve clients across Colorado by phone, text, and email.

390 S Potomac Way, Suite D, Aurora, CO 80012.