Shielding your drivers AND vehicles

Insurance for Personal Automobiles

Colorado Auto Expertise

High-Limit Liability Shielding

In a litigious environment, "State Minimum" coverage is a fatal flaw. I engineer shields with high-limit Bodily Injury and Property Damage to protect your personal savings and future wages from being seized after an accident.

Underinsured Motorist Defense

1 in 6 Colorado drivers is uninsured. I prioritize "Uninsured/Underinsured Motorist" (UM/UIM) coverage, ensuring your medical bills and lost wages are paid by your own policy if the other driver lacks sufficient insurance.

Agreed Value for Collectors

Standard "Actual Cash Value" policies depreciate your car the moment you drive away. Leveraging my background as a dealer, I secure "Agreed Value" policies for classic, exotic, or modified vehicles to ensure you are paid what the car is actually worth.

Gap & Loan Protection

If your vehicle is totaled, you shouldn't be left paying for a car you can't drive. I audit your financing terms to implement Gap Insurance, shielding you from the financial "hole" between your loan balance and the car's market value.

Ready to audit your auto shield?

Specialty Solutions for Recreation and Adventure

RVs & Motorhomes

A standard auto policy doesn't account for the "living" aspect of an RV. I engineer shields that include Full-Timer Liability, personal effects coverage for your gear, and specialized roadside assistance that can actually handle a heavy-duty rig in the mountains.

Boats & Personal Watercraft

From Grand Lake to the Reservoir, your watercraft needs more than just liability. I secure coverage for specialized risks like Wreckage Removal, fuel spill liability, and "Agreed Value" protection for your hull and high-end fishing equipment.

ATVs, UTVs & Snowmobiles

Whether you’re on the trails or in the powder, off-road risks are unique. I prioritize Medical Payments and specialized physical damage coverage that protects your machine whether it’s on the trailer or deep in the backcountry.

Travel Trailers & Campers

Your trailer is an extension of your home. I audit your policy to ensure your liability "extends" from your tow vehicle correctly and that your camper is covered for total loss replacement, even if it’s parked in storage.

Ready to audit your recreation vehicles shield?

Call Me (720) 634-7497

Sells Insurance LLC

I’m Cassondra Sells, a national independent broker based in Arvada, CO. My approach to auto insurance is driven by a decade in the industry and my firsthand experience managing drivers and high-value assets.

Most people treat auto insurance as a passive monthly expense, but I view your coverage as a critical financial firewall. In a market like Colorado—where litigation rates are rising and specialized mountain travel creates unique risks—a 'standard' policy is often a liability in itself. Whether I am shielding your personal wealth with high-limit liability, securing an Agreed Value for your collector vehicle, or engineering a specialized protection system for your RV, Boat, or ATV, I ensure your mobility is backed by professional-grade risk engineering.

As an independent broker, I don't work for a single carrier; I leverage a nationwide network of 30+ providers to build a defense system that fits your specific vehicles, lifestyle, and net worth.

Simple 3 Step Process

Step 01: The Risk Audit

We begin with a 15-minute consultation to identify hidden vulnerabilities in your current coverage and assets.

Step 02: System Design

I leverage my independent network to engineer a custom protection shield tailored to your specific personal or business needs.

Step 03: Ongoing Defense

I deploy your protection and manage the logistics, allowing you to stay focused on your high-impact activities.

Ready to get started?

request 15-minute risk audit

Now I live stress free knowing we are prepared. If you need someone who is extremely knowledgeable and whom is ready to help, call Cassondra.

JENNY
⭐⭐⭐⭐⭐

When I mentioned not knowing much about Life Insurance, Cassondra was so great about following up, taking her time to answer my questions.

CASSIE
⭐⭐⭐⭐⭐

If you're looking for someone who is efficient and trustworthy when it comes to finding the right protection for your needs, Sells Insurance will have your back. Working with her was so easy and I'd recommend her to anyone!

NAOMI
⭐⭐⭐⭐⭐

Her explanation were clear, and she responded quickly to every question. I Felt completely taking care of and now have real peace of mind. I highly recommend Cassandra Sells to anyone in Colorado 5 Stars!