Randy Carruthers

Welcome to Randy Carruthers State Farm Insurance, where my dedicated team and I are here to help you protect what matters most. With a combined 60 years of experience, my licensed team offers personalized options designed to navigate the world of insurance and cater to your unique needs throughout the year. As your State Farm Agent for the Sterling, Colorado area, I’ve proudly served this community since 1986. My roots in Sterling run deep; my wife, Delna, and I raised our two children here, and I am pleased that both have chosen to join the State Farm family as adults. When I am not in the office, I enjoy traveling, golfing, fishing, and cheering on our beloved Broncos and Nuggets. Our office is proud to serve Sterling, Haxtun, Holyoke, and surrounding Colorado areas, with a special focus on welcoming residents relocating to the Logan County area. Whether you need Car Insurance, Homeowner’s Insurance, Renter’s Insurance, Condo Insurance, Life Insurance, Boat Insurance, Motorcycle Insurance, Business Insurance, or Pet Insurance, our agency has you covered. We also provide Financial Services and assist small business owners with their Commercial lines of Insurance, ensuring comprehensive protection for your assets and goals. My team of licensed Insurance Professionals is committed to giving outstanding service and fulfilling our moral obligation to protect what's important to our customers. We are here to help you get the coverage that fits your specific needs, and we are able to assist in both English and Spanish. We offer phone, virtual, and in-person appointments to make discussing your insurance convenient. We invite you to call, click, text, or stop by our office in Sterling today to explore your coverage options and get a quote.

Frequently Asked Questions (FAQ)

Q: How do I get car insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Connect with Randy for insurance guidance in Sterling.

Q: How fast can I get car insurance?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. In Sterling, you can count on Randy for personalized service.

Q: What are the insurance requirements on a leased car?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. Randy serves Sterling, CO and is happy to help with your insurance needs.

Q: What exactly is renters insurance and how does it work?

A: Renters insurance is a policy designed to help protect your personal belongings and provide liability coverage while you're renting a home or apartment. It focuses on your possessions and potential risks, rather than the building itself, which is typically covered by your landlord's policy. Randy is here to help your Sterling household feel covered.

Q: What's typically covered by a homeowners insurance policy?

A: Homeowners insurance can help protect your home, personal property, personal liability, and additional living expenses after a covered loss. Looking for coverage? Talk with Randy about your options in Sterling.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your beneficiaries if you pass away while the policy is active, helping offer financial protection. Randy is proud to serve the Sterling community.