Buying a new car is exciting — but navigating the insurance that goes with it can be confusing, especially in Colorado. Whether you just rolled a new SUV off the lot in Denver or upgraded your commuter car in Broomfield, it’s important to understand how our state’s unique driving conditions, weather, and insurance regulations can affect your coverage and premiums.
At Conexus Insurance Partners, we’re here to make sure your new vehicle is protected from day one — with coverage designed for Colorado drivers and Colorado roads.
1. Colorado’s Conditions Make Coverage Choices Matter
From unpredictable hailstorms to steep mountain roads, Colorado presents a mix of risks that aren’t common everywhere. The right policy can help you avoid costly surprises later.
- Hail and Weather Damage: Colorado consistently ranks among the top states for hail claims. Comprehensive coverage is key to protecting your new car from hail, falling debris, or theft.
- Wildlife Collisions: Deer and elk crossings are common on mountain and rural roads — making comprehensive coverage important here, too.
- Winter Roads: Collision coverage helps pay for repairs if you slide on ice or snow and hit another vehicle or object.
Even if you purchased a new car with safety technology and driver-assist features, those high-tech repairs can be expensive — and coverage matters more than ever.
2. Don’t Drive Off the Lot Without Coverage
In Colorado, proof of auto insurance is required before you can register your new car. Many dealerships will contact your insurance agent directly to confirm coverage before you drive away, but it’s smart to reach out to your agent before you buy.
Your Conexus advisor can:
- Add your new car to your existing policy quickly and efficiently.
- Confirm you have the right deductibles and coverage limits
- Discuss optional coverage like gap insurance or new car replacement
3. Consider Optional Coverages That Add Value
Beyond the state-required liability coverage, there are several options worth considering for new car owners in Colorado:
- Gap Coverage: Helps pay the difference between your car’s value and what you owe on your loan or lease after a total loss.
- New Car Replacement: Some carriers offer this add-on so you can replace your totaled vehicle with a new one of the same make and model — not just the depreciated value.
- Roadside Assistance: A smart addition for winter driving and mountain travel.
- Rental Reimbursement: Covers the cost of a rental if your car is in the shop after a covered claim.
Your Conexus team can walk you through which options make sense based on how, where, and how often you drive.
4. Bundle and Save with a Local Advisor
Bundling your auto and home or renters insurance with Conexus can not only simplify your coverage but often earns discounts through one of our premier carriers. Plus, with a local team, you’ll get help from people who understand Colorado’s unique market — from Denver’s hail belt to mountain passes in Summit County.
5. Schedule a Coverage Review
Even if your last auto insurance policy worked fine for your old vehicle, your new car may need different limits or endorsements. Scheduling a short coverage review ensures:
- You’re not underinsured for replacement cost
- Your liability limits protect your assets
- All discounts (safe driver, multi-policy, usage-based) are applied
The Bottom Line
Your new car deserves the right protection from the start. By understanding Colorado’s risks and working with a local, independent agency like Conexus Insurance Partners, you can be confident you’re covered — for the way you drive, where you live, and what you value.