Auto insurance can feel like one of those things you only think about when something goes wrong. In a place like Colorado Springs—where hailstorms, shifting traffic patterns, and long winter commutes are part of everyday life—the details of your coverage matter more than most drivers realize. Avoiding common missteps can help protect your finances, keep your policy up to date, and ensure you’re prepared for whatever the roads may bring.
Below are some of the most frequent Colorado Springs auto insurance mistakes and how to steer clear of them.
Not Updating Your Policy When Life Changes
Insurance is not a “set it and forget it” product. Whenever something significant changes in your life, your coverage should reflect it.
Moving to a New Neighborhood
Colorado Springs has a wide range of driving environments. Living near downtown looks very different from living in Briargate, northern Black Forest, or the growing east side. Traffic density, weather exposure, and even theft rates vary by ZIP code. Failing to update your address can cause inaccurate pricing and create problems if you need to file a claim.
Adding or Removing Drivers
If a teenager gets their license, a partner starts driving your car regularly, or someone no longer lives in your household, your insurer needs to know. Undisclosed frequent drivers can lead to delayed or reduced coverage after an accident. Keeping your household driver list accurate is one of the simplest ways to stay protected.
Carrying Only the Minimum State Coverage
Colorado’s minimum liability requirements sound adequate, but they rarely cover the full cost of a major accident. Busy roads like Powers Boulevard, Academy Boulevard, and I-25 see frequent collisions—some involving multiple vehicles. Medical bills and vehicle repairs can easily exceed the minimum limits.
Why More Coverage Matters
Increasing your liability limits provides stronger financial protection. Most Colorado Springs drivers also benefit from comprehensive and collision coverage. With the city consistently ranked among the most hail-prone in the country, comprehensive coverage is especially valuable for parked-car damage, broken windshields, wildlife collisions, and storm-related losses.
Choosing a Deductible That Doesn’t Fit Your Budget
Your deductible affects both your monthly premium and what you’ll pay after a loss. Many drivers choose a high deductible to save money each month, but that choice can become a burden when hail season arrives.
Finding the Right Balance
The best deductible is one you could comfortably pay today without straining your finances. Too high, and you might delay repairs you really need. Too low, and you may be paying more each month than necessary. Choosing the right balance depends on your driving habits, vehicle age, and comfort level with out-of-pocket expenses.
Skipping Uninsured and Underinsured Motorist Coverage
One of the most common Colorado Springs auto insurance mistakes is assuming everyone else on the road has enough coverage. In reality, many drivers carry only the minimum—and some have no insurance at all.
Why UM/UIM Coverage Is Essential
If someone with insufficient coverage causes an accident that injures you or damages your vehicle, uninsured/underinsured motorist protection helps pay the difference. This coverage becomes especially important when medical costs or long-term injuries are involved.
Letting Your Policy Lapse
A lapse in coverage—even briefly—can lead to fines, higher premiums, and serious financial risk. Colorado’s unpredictable weather and winter road conditions make driving without coverage especially dangerous.
Why Continuous Coverage Matters
Drivers with uninterrupted insurance histories often receive better rates. Staying current also avoids gaps that could leave you personally liable in an accident.
Forgetting to Review Your Policy Each Year
A quick annual review is one of the easiest ways to strengthen your insurance. Your needs, mileage, and household situation may have changed, and insurers frequently update their discount programs and pricing.
What to Look For
- Outdated vehicle information
- Missed discounts
- Changing commute patterns
Opportunities to adjust deductibles or limits
Even a short yearly check can help you save money or improve your protection.
Overlooking Available Discounts
Many Colorado Springs drivers pay more than they need to simply because they never ask about discounts. Savings may be available for safe drivers, multi-vehicle households, good students, military members, homeowners, and drivers with anti-theft or safety features.
Final Thoughts
Avoiding these common mistakes can help you protect your vehicle, your finances, and your peace of mind. A well-structured policy gives you confidence on the road and safeguards you from unexpected costs.
Need Help Reviewing Your Coverage?
If you’d like help evaluating your policy or making sure your coverage fits the way you drive, Warrior Insurance is here to help. Reach out to our office through our website or give us a call, and a member of our team will follow up to help you find the protection that works best for your needs.