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Auto Insurance


Auto Insurance Information

Auto Insurance Fort Collins Colorado

Car Insurance Fort Collins

Progressive and Safeco Insurance Agents

Home and Auto Insurance Bundle

Auto Insurance

Property Damage

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Uninsured / Underinsured Motorist Damage Coverage

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Bodily Injury Liability Coverage

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Medical Payments Coverage

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Transportation Expenses / Rental Coverage

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Property Damage

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Uninsured / Underinsured Motorist Damage Coverage

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Bodily Injury Liability Coverage

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Medical Payments Coverage

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Transportation Expenses / Rental Coverage

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.



  1. Insurance Specialties LTD
    148 W Oak St
    Fort Collins Colorado  80524
    970-490-1530

    Car Insurance for Fort Collins

    About the only time we think of car insurance is when we buy it and have to pay for it. The other time is when we need to make a claim. So Fort Collins when you need Car Insurance make sure to think about the accident that might come when making your insurance purchase. Call us to talk about your Car Insurance needs.

    Everyone in Fort Collins needs Great Car Insurance.

    When you want a car insurance quote in Fort Collins, Colorado or Northern Colorado please give us a call.  Insurance Specialties LTD wants to quote your business with our many carriers.  Let's be honest auto insurance is not cheap so do your homework and call an agency that has been in the market since 1989, over 30 years.  You want the cheapest price and the most coverage, that is why an independent agent is the right choice.  So that is the main reason we help you shop your auto insurance with many companies such as Progressive, Safeco, Hagerty, Kemper and others.   
    Call Insurance Specialties LTD in Fort Collins, Colorado for your free auto insurance quote today.

    How to save on car insurance. 
    Step 1. Call Insurance Specialties at 970-490-1530. 
    Step 2.  Give us some information such as drivers and cars you want to insure. 
    Step 3.  Let's talk coverage. 
    Step 4.  We shop you Save.  Easy!


We can also add a SR 22 to most auto policies!  If you drive for Uber or Lift, Food Delivery or other business use give us a call.  We insure people with foreign/international driver's license.


We also offer Classic Car Insurance.  So no matter if its 1931 or 2016 we can find the right Company just for you!



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