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Insurance is one of those things that needs to be the right fit for you, but sometimes finding the right coverage can be intimidating. It’s in these times that people wind up paying more than they need to or wind up in a bad situation without the right amount of coverage. At Security Insurance Group in Fort Collins, we do everything that we can to ensure that our customers have the most suitable auto insurance policy.

To help you better determine which policy is going to be the best for you and your coverage needs, we have broken down some of the parts of a policy that you should consider before you do commit to any car insurance policy.


This is one of the terms that you will hear often when dealing with insurance, so it’s best to familiarize yourself so that you can make the most reasonable decision with this factor. What this amount is, is an agreed and set amount of money that the insured individual needs to pay before the insurance company covers any charges. There are deductibles for medical bills, damage to your car, damage to any car that is in the accident and more. Depending on what your budget is, how much you’re willing to spend in these instances and how much coverage you’d like to have, you can play around with numbers to find one that suits you best. Depending on your driving record, there might be a certain limit that you need to stick with, this is something that your insurance agent can help you play around with.


If saving money is your biggest concern, then chances are you’re going to immediately go with the minimum amount of coverage that you need to pass abide by the laws. This will also vary based on your driving record and any incidents that will require more coverage. Sticking with the minimums is something that you should go over with when you sit down with your insurance agent, primarily because sticking with the minimum could result in having to pay more in the event of an accident. The amount of money that you spend on insurance could greatly outweigh the amount you would wind up spending having to pay for medical bills and repairs.



    There are some people that just have to admit that they have bad luck with cars. These are the people that get more flat tires than the rest, wind up with cracked windshields, random dents and a bunch of other unfortunate car issues. One of the additional services that you can pin onto your insurance policy are roadside assistance and towing. This is a great service if you do have to worry about a car that is unreliable, or you have a driver that somehow always winds up with a dead battery and an empty gas tank, you could definitely wind up saving some money by adding this service onto your insurance policy.


    Safe drivers don’t worry about getting in car accidents as much, but they are usually the people that have more protection on their vehicles. This is something that should be based off of your driving record, but this is also a time where you are going to want to take your car into consideration. If you are driving a newer car that you have just paid off or a vehicle that you are leasing, then having more coverage on your vehicle is going to be something that you are going to want. This can include anything from windshield repair to replacing belongings inside the car at the time of the accident. Think about what is going to cost you more in the long run before you automatically go with the option that seems like it’ll be the cheapest.

    Security Insurance Group wants to provide you with a high quality and in depth conversation to cover all of the options that you have when it comes to your insurance policies. Schedule an appointment at our office in Fort Collins and we can start working out the options that are going to be the best for you and anyone else on your auto insurance coverage plan.