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Auto Insurance in Northern Colorado

Coverage for Every Driver

Driving is a part of daily life — but accidents, theft, and unexpected events can put you at risk. That’s why having the right auto insurance in Northern Colorado matters. At Chris Covers Your Assets, we explain your options clearly so you know exactly what’s covered, whether you need standard protection, an SR-22 filing, or specialized coverage for your classic car.

What Auto Insurance Covers

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Liability Coverage

Pays for injuries or property damage you cause to others in an accident. Required by Colorado law.

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Collision Coverage

Covers repair or replacement of your car if it’s damaged in an accident with another vehicle or object.

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Comprehensive CoveragE

Protects against theft, vandalism, fire, hail, or other non-collision damage.

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Uninsured/Underinsured Motorist Coverage

Steps in if you’re hit by a driver with no insurance or too little coverage.

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Medical Payments Coverage

Helps pay medical bills for you and your passengers after an accident, regardless of fault.

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Optional Add-Ons

Roadside assistance, rental car reimbursement, and other extras for added peace of mind.

Special Auto Insurance Options

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SR-22 Insurance

If you’ve had a license suspension, DUI, or serious violation, you may be required to carry SR-22 insurance. This isn’t a separate policy — it’s proof that you have the state’s required minimum coverage. We’ll help you file quickly so you can get back on the road.

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Classic Car Insurance

Standard auto policies don’t always fit antique or collector cars. Classic car insurance protects your vehicle’s agreed value, limited-use driving, and custom parts, ensuring your investment is covered properly.

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Benefits of Auto Insurance

Auto insurance doesn’t just protect your car — it protects your financial future. From medical bills and liability claims to repairing or replacing your vehicle, the right policy keeps you covered when the unexpected happens. With nearly 30 years of experience, Chris makes the process simple and straightforward, so you always know what you’re buying.

Frequently Asked Questions

  • Is auto insurance required in Colorado?

    Yes. Colorado requires liability insurance, but many drivers choose higher limits and additional coverage for better protection.

  • What affects my auto insurance rates?

    Driving history, age, vehicle type, location, and coverage level all play a role. Discounts may be available for safe driving or bundling policies.

  • Do I need more than the state minimum coverage?

    Yes. State minimums often aren’t enough to cover serious accidents. Higher liability limits and comprehensive options provide stronger protection.

  • Can I insure multiple cars under one policy?

    Yes. Multi-car policies can save money and simplify your coverage. Chris will help you find the right fit.

From our office in Northern Colorado, we proudly serve drivers across Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona. Whether you need everyday auto insurance, SR-22 filing, or protection for a classic car, Chris Young Agency has you covered.

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