It’s that time of year here in Colorado. Not only do homes get destroyed by severe weather and hail but so do vehicles. If you have damage to your car call your insurance carrier immediately to file the claim and get your vehicle looked at. You’ll need comprehensive coverage. Resources that become short in supply are car rentals, and body shops. The wait for an appointment for a body shop could take weeks, make your appointment as soon as you…
Even though your off road ATV isn’t licensed for street use, there is still a need to insure it. If you have a loan the bank will require comprehensive and collision coverage. Liability coverage will protect your assets by paying just like car insurance does if you happen to run into someone. When I travel on the trails with my ATV I worry and hope another rider took the time to insure themselves like I did. I rather work with…
“How come my car insurance rates keep going up?” This is a common complaint these days here in Colorado. Between 2014-2015 over 100,000 people moved to CO. 2015 was the deadliest year for auto accidents. More drivers, more accidents. Colorado is the 2nd in the country for auto repairs costs. Expect auto rates on average to increase 15%. This could be higher or lower depending on where in the state you live.
Towing and Emergency Services coverage is available on your auto insurance policy, just ask for it or hopefully your agent asked you about the coverage. Coverage includes tow, lock out, dead battery, flat tire change, etc. Most companies have travel or cost limits so be sure to understand the limitations. Our policy pays a max amount which is pretty cool because if you want to be towed to your house (so you can change your own tire) but it’s 12…
When you rent an apartment or house it is always a good idea to purchase renters insurance. Why? Well if someone breaks into your place and steels your stuff wouldn’t it be nice to be able to go buy all new stuff? If there is a reason you cant live in the place because there was a fire your renters insurance will pay for a hotel. Your landlord isn’t going to help you with that. What if you have a…
Colorado is cracking down on drivers who don’t move over when coming upon vehicles on the side of the road. The law is to move over to give the emergency vehicles plenty of room, if you can’t get over then your supposed slow way down. I drive a lot and whenever there is any vehicle on the side of the road I move over into the other lane. It’s very scary to be stuck on the side of the road…
So you’ve become a ride share driver, now what happens? Everything is all set and your poised to turn on the app and your ready for business! Uber and Lyft have master insurance policies for their drivers but they don’t begin coverage until the app is on and the driver has the passenger. Your insurance policy stopped working the minute you accepted the ride and your on your way to pick them up. What do you do? Did you…
Most insurance companies use insurance scoring to help determine your rate, they need your social security number to obtain your insurance score whereas your drivers license number locates claims history and driving record. Your credit score is not the same as your insurance score, however both use the same credit report, they just grade it differently. Why? It helps determine the likelihood of filing a claim. Data has determined that a person’s credit rating if good then drops to poor is…
Ever wonder what your VIN# (vehicle identification number) on your vehicle means? This picture cracks the code to your car, it tells where it came from. Suppose your VIN starts with 5, that means you have a Toyota made in United States, if your Toyota starts with a J it was produced in Japan. The series of 17 digits comprised of letters and numbers give your vehicle it’s uniqueness. It tells insurance companies exactly what vehicle you drive; don’t want…
Pet Insurance is a smart way to love your pet. It covers such items as injuries, surgeries, illnesses, hereditary and congenital conditions, rehab, etc. It also helps with prescription medications. Pet’s Best http://www.farmers.com/pet-insurance is a great option to get a quick and easy quote, view coverage’s and sign up. Give them a try! BE SURE TO USE REFERENCE 072616 to receive a 5% discount.