Smarter Coverage for Colorado Drivers
Shopping for auto insurance in Colorado? Whether you’re commuting through Denver or heading home to Westminster, having the right protection matters. A standard policy covers the basics—but enhanced coverages can add an extra layer of security tailored to your life.
Here’s an overview of commonly available auto insurance enhancements you may want to consider (availability and details can vary by carrier and policy):
🚘 New Car Replacement
If your new vehicle is totaled in a covered loss, this coverage may help pay for a new car of the same make and model—rather than reimbursing only the depreciated value. Typically, available for vehicles under a certain age and mileage.
📉 Gap Insurance
If your car is totaled or stolen, gap insurance may help cover the difference between the vehicle’s actual cash value and the amount still owed on your loan or lease.
🚗 Rental Reimbursement
If your vehicle is in the shop for repairs due to a covered claim, this coverage helps pay for a rental car—up to the daily and maximum limits listed in your policy.
🔧 Roadside Assistance
This optional coverage provides support such as towing, jump-starts, fuel delivery, and lockout assistance. Limits and services vary by provider.
⚠️ Accident Forgiveness
Some insurers offer accident forgiveness, which may prevent your rates from increasing after your first at-fault accident. Eligibility often depends on your driving history and insurance carrier guidelines.
🛠 OEM Parts Coverage
This endorsement helps ensure repairs are made with original equipment manufacturer (OEM) parts when available and applicable—rather than non-OEM or aftermarket parts.
🚕 Rideshare Coverage
If you drive for a rideshare company like Uber or Lyft, this add-on may help fill coverage gaps between your personal auto policy and the commercial coverage provided by the platform. Coverage options vary widely, so it’s important to review this with your agent.
🎵 Custom Equipment Coverage
If you’ve installed aftermarket upgrades such as custom wheels, sound systems, or performance parts, this coverage can help protect those additions in the event of a covered loss—up to the limits stated in your policy.
Get Help Choosing the Right Coverage
At Conexus Insurance Partners, we help Colorado drivers personalize their auto insurance to fit their lifestyle. Whether you’re in Westminster, Denver, or anywhere across our beautiful state, our team is here to help you navigate the options and make confident coverage decisions.
Ready to review your coverage or get a quote for car insurance in Colorado?
Let’s talk—we’re here to answer the questions you didn’t even know you had.
