Rewarding safe driving — and recognizing the miles you actually drive

If you’re a careful driver or spend less time behind the wheel than most, your insurance should reflect that. Many Longmont residents work close to home, split time between office and remote work, or simply don’t commute long distances — and that often qualifies for meaningful savings when your coverage is structured correctly.

Bassett Insurance Group helps Longmont drivers review their current auto insurance and compare options across respected carriers including Liberty Mutual, Progressive, GEICO, Bristol West, Lemonade, and others. The goal isn’t just to find a lower premium — it’s to make sure coverage actually matches your habits and risk exposure.

Want to see if you qualify for safe-driver or low-mileage savings?


Call Bassett Insurance Group or request a car insurance review today.


Have your current declarations page available — we can usually identify opportunities quickly.

Car Insurance Review

Driving in Longmont: local factors that affect your coverage

Even experienced drivers face regional conditions that influence claim frequency and policy structure. These are the issues we regularly review with local customers.

Hail and weather exposure

Front Range storms routinely produce hail capable of damaging vehicles in minutes.

Review:

  • Comprehensive deductible level

  • Glass protection options

  • Rental reimbursement availability

  • Vehicle valuation assumptions

Winter conditions and rapid temperature swings

Snowpack, ice, and freeze-thaw cycles increase accident exposure.

Review:

  • Collision deductible comfort level

  • Medical payments coverage

  • Emergency roadside coverage

Regional commuting and highway use

Even low-mileage drivers occasionally rely on US-287, Highway 119, or I-25 — corridors with higher claim severity.

Review:

  • Liability limits beyond state minimums

  • Uninsured/underinsured motorist protection

  • Coordination with umbrella coverage

Theft and vandalism exposure

Vehicle break-ins and parts theft remain occasional concerns.

Review:

  • Comprehensive scope

  • Personal property limitations

  • Anti-theft discount eligibility

Discounts commonly available to Longmont drivers

Many policies miss savings simply because they haven’t been reviewed recently. Depending on the carrier and profile, drivers may qualify for:

  • Safe driver credits

  • Low annual mileage discounts

  • Telematics-based pricing programs

  • Multi-vehicle household discounts

  • Home and auto bundling

  • Defensive driving credits

  • Vehicle safety feature discounts

Discount availability varies across carriers like Liberty Mutual, Progressive, GEICO, Bristol West, Lemonade, and others — which makes comparison valuable.

Quick coverage check for careful drivers

Ask yourself:

  • Are my annual miles estimated accurately?

  • Am I receiving full credit for my driving history?

  • Are deductibles aligned with my financial comfort level?

  • Are liability limits appropriate for current claim costs?

  • Do I carry coverage options I actually use?

  • Has my vehicle value changed enough to revisit coverage types?

A brief review often improves both cost efficiency and protection.

Why Longmont drivers choose Bassett Insurance Group

We’re local, responsive, and focused on practical outcomes rather than one-size-fits-all policies. Our process centers on:

  • Reviewing actual driving patterns

  • Comparing multiple reputable carriers

  • Aligning coverage with local risk conditions

  • Explaining options clearly so decisions are informed

Get a Car Insurance Quote

Safe drivers and lower-mileage households often benefit from a fresh review.

Share your current policy details and vehicle information — we’ll handle the comparison and walk you through the results.

Bassett Insurance Group can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too!  Contact us for more information today!