Auto Insurance for Colorado and Arizona Drivers
One local team, multiple carriers, and a straight answer about what you are actually covered for. We have been writing auto coverage from our Falcon office since 2005, for drivers anywhere in the country.
We Shop the Carriers. You Pick What Fits.
Colorado and Arizona both require every driver to carry liability coverage, and most people stop thinking about auto insurance right there. The gap between the state minimum and what would actually cover a bad accident is where families get hurt.
Because we are independent, we are not selling you one company's product. We take what you drive, how far you commute, who else is on the policy, and what you are comfortable paying, then compare it across the carriers we work with. You see the real options side by side, in plain language, and you decide. If a cheaper policy leaves you exposed somewhere that matters, we will say so.
Our office is in Falcon and a good share of our clients are here on the Front Range, but you do not have to be. We write coverage nationwide, so whether you are in Colorado Springs, Denver, Pueblo, Phoenix or a town nobody outside it has heard of, we can write your policy.
- Coverage nationwide
- Multiple carriers, one application
- Local team you can call directly
What Your Auto Coverage Can Include
Auto insurance is a stack of separate coverages, not one product. Here is what each piece does, so you can tell which ones you actually want.
Liability
Pays for injuries and damage you cause to other people. Colorado and Arizona both currently set the floor at 25/50/15. It is the one coverage you cannot skip, and the one most drivers carry too little of.
Collision
Covers your own vehicle when you hit something, whether that is another car, a guardrail, or a deer fence on Meridian Road. Required by most lenders if you finance or lease.
Comprehensive
Hail, theft, fire, vandalism, and animal strikes. El Paso County and much of Arizona both get punishing storms, and this is the coverage that responds to them. Ask us what deductible makes sense before storm season.
Uninsured and Underinsured Motorist
Steps in when the driver who hit you has no coverage or not enough. Colorado carriers have to offer it and you have to decline in writing, which tells you how much it matters.
Medical Payments
Helps with medical bills for you and your passengers no matter who caused the crash. In Colorado, insurers must offer at least $5,000 unless you reject it in writing. Arizona rules differ, so ask us what applies to you.
Roadside and Rental
Towing, jump starts, and a rental car while yours is in the shop. Small add-ons that matter a lot on the one morning you need them.
Coverage terms and payouts depend on your policy and the carrier. We will walk you through exactly what yours says. Adding umbrella insurance extends your liability limits further, and if you also own a motorcycle or RV, that belongs on recreational coverage. Business vehicles need commercial auto, not a personal policy.
Getting an Auto Quote Is Simple
A few minutes now, no obligation at the end of it. Here is the whole process.
Start Your Free QuoteWe Listen
What you drive, who drives it, and how far. Bring your current policy if you have one and we will read it with you.
01
We Shop
We run your details across the carriers we work with and pull back the options that fit, including the discounts you qualify for.
02
You Choose
We lay out what each option covers and what it leaves out. You pick. We handle the switch so there is no gap in coverage.
03
Auto Insurance Questions We Hear a Lot
Colorado and Arizona both currently require liability limits of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. Those are minimums, not a recommendation. A single hospital stay or a newer vehicle can pass $25,000 quickly, which is why most drivers we work with carry more.
Full coverage is not a policy you can buy by name. People usually mean liability plus collision and comprehensive. Collision covers damage from hitting something, comprehensive covers hail, theft, fire and animal strikes. If you have a loan or lease, your lender almost certainly requires both.
It is not required in either state, but insurers in Colorado and Arizona must offer it and you have to decline it in writing. It covers you when the at-fault driver has no insurance or not enough of it. Given how many drivers carry only state minimums, it is usually inexpensive relative to what it does.
It should not. We set the new policy to start the same day the old one ends, so there is no lapse. Lapses are worth avoiding because they can raise what you pay later, and we handle the timing for you.
Often, yes. Most carriers discount both policies when you bundle them. Because we are independent, we can compare bundling with one carrier against splitting the two across carriers and tell you which actually comes out ahead. See home insurance for that side of it.
Hail is typically handled under comprehensive coverage, not collision. El Paso County sits in a real hail corridor and Arizona gets its own monsoon and dust-storm damage, so if you park outside it is worth asking what your comprehensive deductible is before storm season rather than after.
What Auto Clients Say
- Auto insurance · Renewal savings
Once again it is time to renew our car insurance. As usual Gretchen Puffpaff has come through with better quotes for us, as she seems to do every year. She and all the people at Pikes Peak do a great job. We have been happy customers for 17 years, and will continue to do business with Gretchen and Pikes Peak insurance going forward.
Phil D'Hondt Google - Auto insurance
I have used Pikes Peak Insurance for several years for auto, homeowners, vacation rental and umbrella insurance policies. Each year they review my policies and make comparisons between companies and recommendations of the best coverages and premiums for my needs. Very competent and professional staff. I highly recommend this agency.
Benney Brettingen Google - Auto insurance · Fast service
Talk about coming through in a pinch! Donald knocked it out of the park getting my vehicle insured, asking the right questions, thorough and getting it done much faster than I expected. I even changed my business insurance over to them! Debbie handled that part of it, and she made sure everything about my business was covered, asking about things that I didn't even think of (probably why they are the experts lol). I don't know what else to say other than hit them up with all of your insurance needs at Pikes Peak Insurance!
Michael Menozzi Google - Auto insurance · Independent agent
I worked with Gretchen to quote my auto, and she actually got rates from, and referred me out to, their State Farm agency partner because they were able to find better rates. The client is definitely the top priority at Pikes Peak Insurance, even at the expense of their own bottom line. Top of the line service all around
Gage Comstock Google - Home insurance · Saved money
Gretchen was very knowledgeable and helpful in finding a lower rate for my homeowners insurance and car insurance, which had gone up tremendously. Very Grateful for Her working so hard finding a better rate for us. I would highly recommend Pikes Peak Insurance and Gretchen and all the people that work in their office. They go above and beyond.
Diana Meyer Google - Auto insurance · Responsive service
I have had such ease of adding and deleting cars from our policy over the past two months thanks to Jesse Grimes always getting right back to me. She makes it easy and takes care of it for me. She even found a great policy for my daughter. Super friendly and very responsive via phone or email. I would (and will) recommend her and Pikes Peak Insurance Agency to anyone.
julie pialet Google
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