Auto Insurance · Centennial, Colorado

Drive with confidence. Pay less for it.

Coverage that pays when it matters, from a local Colorado agent who helps you choose the right protection. See your personalized rate in under 2 minutes.

An Allstate Agency
Claims Advocates
Local Centennial Team

Switch and save

What could you keep?

$1,000 to $1,500potential yearly savings when you switch and bundle home and auto

Based on what many clients save when they switch. Individual results vary.

See my number
Liability · Collision · ComprehensiveA Quote in Under 2 MinutesLocal Colorado AgentsClaims AdvocatesAnnual Policy ReviewsBundle Home and AutoReal People, No Call CenterAn Allstate Agency Liability · Collision · ComprehensiveA Quote in Under 2 MinutesLocal Colorado AgentsClaims AdvocatesAnnual Policy ReviewsBundle Home and AutoReal People, No Call CenterAn Allstate Agency
6Core Coverages
20 minTo Switch, Most Clients
2 minTo Your Personalized Rate

Coverage

One policy. Six layers of protection.

From the crash on I-25 to the hailstorm in your driveway, your policy answers each one.

Liability

Protect your finances when you are at fault

Injuries, car repairs and legal fees you cause to others are covered. Colorado law requires it.

Collision

Repairs after a crash, whoever is at fault

Your vehicle is repaired after a collision with another car or object, minus your deductible.

Comprehensive

Hail, theft and wildlife covered

Damage that is not a crash: hail, fire, theft, falling objects, flood and Colorado wildlife collisions.

Uninsured motorist

Covered when the other driver is not

Medical bills and lost wages protected when the at-fault driver has no insurance or too little.

Medical payments

Medical and funeral costs, paid quickly

For you and your passengers after an accident, whoever is at fault, without waiting on claims.

Optional add-ons

Built around your lifestyle

Roadside assistance, rental reimbursement, gap insurance and rideshare coverage, fit to your budget.

What a standard auto policy leaves out

Intentional damage, racing, commercial delivery use and mechanical breakdown. Ask us about add-ons that fill these gaps.

Talk to an agent

Why Benincasa Insurance

Why do most people choose us?

They are tired of overpaying, and tired of talking to strangers at 800 numbers who do not know their neighborhood.

01

One local point of contact

All your policies with one trusted Colorado agent. No juggling calls between providers or waiting on hold with a national call center.

02

The right coverage at the right price

As your Allstate agent, we find the best combination of price and coverage for your situation.

03

Savings from day one

Clients who switch and bundle home and auto can save $1,000 to $1,500 a year, often with better coverage. Individual results vary.

04

Colorado-specific expertise

Hail storms, mountain driving and wildfire zones. We make sure your policy reflects them without gaps.

05

Fast, easy claims support

A real person in your corner, not a ticket number in a queue.

06

Clear, ongoing policy reviews

Regular reviews so you know your coverage and catch changes before they affect you at claim time.

Reid Benincasa, owner of Benincasa Insurance in Centennial, Colorado
“Colorado drivers deserve an agent who picks up the phone. Before a claim, after a claim, and at every renewal in between.”
Reid Benincasa · Agency Owner, Centennial CO Talk to our team

Switching

Three steps. Most clients switch in one 20-minute call.

1

Call us or send your policy

Email a photo or PDF of your current policy, or call and we gather the details with you.

2

We compare and improve

We match or improve your coverage and show you exactly what changes and what you could save.

3

We time the switch

We set the start date so there is no gap, and handle the paperwork and cancellation.

Reviews

Trusted by your neighbors.

Real drivers. Real claims. Real Google reviews.

Google review★★★★★
Google review of Benincasa Insurance
Google review★★★★★
Google review of Benincasa Insurance
Google review★★★★★
Google review of Benincasa Insurance
Google review★★★★★
Google review of Benincasa Insurance
Google ★ 4.9BBB A+ RatedAllstate Elite Agent

Questions

Straight answers.

What is the minimum auto insurance required in Colorado?
Colorado requires at least $25,000 per person and $50,000 per accident in bodily injury liability, plus $15,000 per accident in property damage liability. State minimums often leave you exposed financially, so we help you find the right balance of protection and affordability.
Does my auto insurance cover hail damage?
Yes, if you carry comprehensive coverage. Hail is one of Colorado's most common and costly risks. Comprehensive covers hail, falling objects, wind, fire, flood, theft and wildlife collisions, and we recommend it for Colorado drivers.
Can I bundle home and auto insurance?
Yes, and it is one of the fastest ways to save. Bundling home and auto saves many clients 12 to 18% a year, and individual results vary. You manage both policies from one account, with one renewal date and one local agent to call.
Is switching insurance companies complicated?
Not with us. We compare your current policy, match or improve your coverage, and time the switch so there is no gap. Most clients are fully switched in a single 20-minute call.
Will I be able to reach someone when I need help?
Yes. You work directly with a local Colorado agent, not a national call center. When you call, you reach a real person who knows your name, your policy and your neighborhood.
Does a teen driver affect my rate?
Adding a young driver typically raises premiums. We can help offset that with good student discounts, driver training discounts and the right vehicle assignment. Talk to us before you add them and we will walk you through the options.

Your Quote

Ready to protect your vehicle?

See your personalized rate in under 2 minutes. No commitment required.

  • A local Allstate agent reviews every quote
  • Coverage built around how you drive and what you budget
  • Bundle with home to look for extra savings
Prefer to talk? Call (720) 342-4289
Call us Get a quote