COMPREHENSIVE AUTO INSURANCE THAT PROTECTS WHAT MATTERS
We understand driving in the Mountain West—from Wyoming hail storms to Colorado mountain roads. As an independent brokerage with 20+ carriers, we find the right comprehensive auto coverage for your vehicle and lifestyle, with honest local expertise and no pressure.
COMPREHENSIVE AUTO COVERAGE FOR LIFE
Protect your vehicles with precise, tailored auto insurance solutions
AUTO INSURANCE THAT UNDERSTANDS YOUR LOCAL LANDSCAPE
We know the Mountain West roads. From hail damage in Wyoming to wildlife collisions in Colorado, from off-road adventures in Utah to Montana winter conditions—our comprehensive auto coverage adapts to your unique environment and risks.
PERSONALIZED AUTO PROTECTION PLANS
From work trucks in the oil fields to family SUVs in suburban neighborhoods, from off-road vehicles to daily commuters—we craft auto insurance that matches your specific needs and lifestyle. No cookie-cutter policies, just coverage that actually fits.
Local expertise matters
Independent agency committed to providing transparent, straightforward insurance solutions for Wyoming and Northern Colorado residents.
REAL RISKS REAL SOLUTIONS
Auto insurance that stands between you and unexpected challenges
WHEN LIFE THROWS A CURVEBALL
Hail totals your vehicle. A deer jumps out on a mountain road. Theft in a rural area. Weather damage during a storm. We help you navigate these moments with confidence—because you're covered, and we're here to guide you through it.
PROTECTING YOUR HARD-EARNED ASSETS
You've worked hard for your vehicles—your truck, SUV, or off-road rig. Comprehensive coverage ensures Mountain West risks like hail, wildlife, and theft don't wipe out what you've built.
AUTO STRATEGIES FOR CHANGING TIMES
Life changes—new vehicle, adding a teen driver, job in the oil fields, family road trips. Your auto insurance should change with you. We proactively review your coverage as your life evolves, ensuring you're always properly protected without paying for what you don't need.
CLAIMS SUPPORT WITHOUT THE COMPLICATED PAPERWORK
When something happens to your vehicle, you need answers fast—not phone trees and 1-800 numbers. We walk you through the claims process, advocate for you with carriers, and make sure you get the settlement you deserve. That's what neighbors do.
AUTO INSURANCE INSIGHTS THAT MATTER
Practical knowledge to guide your auto protection strategy
NAVIGATING AUTO INSURANCE IN UNCERTAIN TIMES
Smart strategies for maintaining comprehensive auto coverage when budgets are tight and economic cycles affect Mountain West families.
RISK MANAGEMENT FOR MOUNTAIN WEST DRIVERS
Comprehensive approach to understanding and mitigating auto risks in Wyoming, Colorado, Utah, and Montana's unique environments.
AUTO COVERAGE FOR EVERY LIFE STAGE
YOUNG DRIVER
First car, first real job, building independence. Let's make sure you're properly covered without breaking your budget. Comprehensive auto coverage that grows with you.
FAMILY GUARDIAN
Multiple vehicles, shuttling kids, daily commutes. You need auto coverage that protects your family's vehicles and provides peace of mind on the road.
SMALL BUSINESS OWNER
Work trucks, company vehicles, business travel. Comprehensive auto insurance that meets compliance needs and protects your business assets.
RETIRING DRIVER
Fewer miles, recreational vehicles, asset protection. Let's review your auto coverage to secure what you've built for the long haul.
FAQs
Standard auto insurance generally does not cover intentional damage, normal wear and tear on your vehicle, or modifications and custom parts not explicitly declared on your policy. It also won't cover using your personal vehicle for racing or certain commercial purposes like ridesharing without specific endorsements. Always check your policy for precise exclusions.
Liability-only insurance covers damages and injuries you cause to other people and their property. "Full coverage" typically adds collision and comprehensive coverage, protecting your own vehicle from accidents, theft, or natural disasters like a Wyoming hailstorm. If you have a newer car, an auto loan, or want maximum protection, full coverage is often recommended. For older vehicles, liability-only might suffice, but consider the financial risk.
Auto insurance is legally required in both Wyoming and Colorado. While the minimum liability limits might seem low, they often aren't enough to cover serious accidents. Driving without insurance can lead to hefty fines, license suspension, and personal financial responsibility for all damages if you're at fault in a crash. It's not just optional; it protects you and others.
A comprehensive auto policy typically includes liability coverage for damage to others, collision coverage for your vehicle in an accident, and comprehensive coverage for non-collision events like hail damage, falling rocks, or wildlife collisions common in Wyoming and Colorado. Many policies also include medical payments and uninsured motorist coverage, which is crucial given the higher rates of uninsured drivers in some areas.
After ensuring everyone's safety and, if necessary, contacting law enforcement, you should report the accident to your insurance provider as soon as possible. We'll guide you through gathering necessary information, documenting damages, and working with an adjuster to assess your claim. Timely reporting helps expedite the process, getting you back on the road sooner.
Auto insurance premiums in Wyoming and Colorado can vary widely, often ranging from $100 to $250 per month depending on factors like your driving record, vehicle type, and coverage limits. For example, a driver with a clean record in Cheyenne will likely pay less than someone with an accident history in Denver, especially if they commute through oil fields. The best way to know your exact cost is to get a personalized quote.