3 auto 1 cycle 1 homeowners policy today.
Update
June 29th, 2011Auto insurance update
July 22nd, 20107 auto policies today. average savings of $495 per year.
Why is my auto insurance so high?
July 20th, 2010Why is my auto insurance so high
VIDEO POST
Why is my auto insurance so high?
July 20th, 2010A very common question of concern among insured drivers is why does my auto insurance so high? The truth is there are many things that can cause your auto insurance to be high so such location, claim record that particular make of vehicle, also the accident rate such as the safety features that are built into the vehicle location has a lot to do with it also because one state will vary from another, the population density will help contribute to the overall cost to insure your vehicle.
Each auto insurance company use different rating factors which make them differ one from the other in regards to policies, in the same breath there a many similarities that exist. New auto insurance companies are require more information to determine rating factors such as mileage, driving patterns, how often a driver stops, also they need knowledge of all household members who possess a driver’s license and has access to drive the vehicle but here are some standard factors of rating used by most if not all auto insurance companies:
Research reveals that women are less likely to be involved in a vehicular collision when compared to men who are reported to be involved in more accidents.
Studies show age has a lot to do with rating factors because a higher percentage of accidents are more for some age groups when compared to another age group, specifically drivers below the age of 26 are more likely to get involved in an accident than driver s 26 years of age and older, the safest records for drivers are those between the age of 50 to 65 years of age.
The amount you pay for your auto insurance premium will be determined by the type and market value of your vehicle this will affect you pay to get property damage and physical damage auto coverage because every car model and make has a insurance history which the auto insurance companies use to placed drivers insured vehicle in a rating group that is similar usually a car that has a high report for vandalism or theft along with repair costs that are high it vehicle would incur are a higher premium.
update for week ending 17th
July 19th, 201034 Policies written. average savings of 306 per year.
Monday Insurance update
July 12th, 20105 insurance policies today. Average savings for clients $376 per year.
Motorcycle Insurance policies… Choppers, trikes, & cruiserS
July 11th, 2010Some people believe that a motorcycle is an unfinished car with two wheels, well whether you believe this or not buying a motorcycle auto insurance policy is a very good idea in the event of a accident since those who ride motorcycles are at a very high risk of sustaining a physical bodily injury, sometimes one that is even fatal.
Let just face the facts the probability of being in an accident are very high especially is a area that has a high population and also a amount of commuters it this in mind an accident will rarely happen that is free of physical injuries so the best thing and the smart thing to do is to get your motorcycle insured so in the event of injuries sustained due to an accident your medial expensive would have me covered. Your medical payment would normally cover all of the necessary expenses to recover from injuries such as cost for an x-ray, ambulance fee, hospital and surgical.
When auto insurance policy especially a motorcycle policy in Colorado it is a smart idea to get a personal injury protection because once you are injured in an accident medical expense tend to go up very fast because an motorcycle auto insurance policy would reimburse you for lost of income, funeral services, child care expenses with this policy you are covered no matter who is the cause of the accident.
When it comes to motorcycle insurance auto coverage there are many policies available to get you the most and best coverage possible, getting collision coverage would protect your motorcycle in the event the motorcycle is damage and needs repairs as a result of a collision into another object such as a motorcycle, car, building or even a tree believe me this may happen.
Another important thing to remember is that an accident or damage to your motorcycle is not always as a result of the most commonly known scenarios there are other reasons for the problem such as natural disasters such as flooding, storm, vandalism, theft. Another important motorcycle auto insurance policy is the uninsured and underinsured auto coverage so when an accident is not your fault you will not be liable to cover the other driver’s repair expense.
| http://www.motorcycle-rates.com |
WHAT IS SR22 IN COLORADO
July 10th, 2010Great Week
July 10th, 2010We wrote 29 policies this week for an average savings of 509. per year per client. Great Auto Rates throughout Colorado
What is Sr-22 Insurance in colorado?
July 1st, 2010When it comes to auto insurance an SR-22 will vary from one state to another such Colorado will have a different policy when compared to another state. You may ask what actually is an SR-22 well for one it is not a insurance policy or type, but it is rather a statement of proof which will be used to declared that you posses a particular or certain type of insurance this also will vary in each state based on certain financial obligations and responsibility present in the laws that govern the various states.
Simply put an SR-22 is a special document that a insured driver request from in auto insurance company to file on his behalf when he has been involved in an accident that was taken t court or if the driver has been convicted for certain types of traffic violations. It’s a document which will generally state that an auto liability insurance is active and in effect for that particular driver.
It is often a requirement when the insurance has been provided to a insured driver who was involved in an accident or if the insured driver was charged as a result of a traffic offense committed also if he is unable to display any financial responsibility, it is also required in the event a judge makes a request for the SR-22 for other reason, it will normally state the type of auto insurance coverage the driver has.
An SR-22 are not a requirement in every state some state do not require it so the requirements for one state will not apply to another state, keep in mind that in the event of an accident you are expected to present an SR-22 or show financial responsibility for some state except for the following states such as Delaware, Minnesota, Kentucky, New Mexico, Pennsylvania and Oklahoma, keep in mind though the if you are responsible for a accident you will have to continue to keep to the SR-22 state requirements even if you are living in a state that does not require it.
For additional information about SR-22 or to get a quote you can check online to find out in the state that you’re residing in will require an SR-22 form or document in the event of an accident or a conviction.
Renters insurance in Colorado
June 25th, 2010Renters insurance is typically priced between $15 to $30 per month. (largely depending on the amount of content coverage requested. It takes about 15 min. to start policy… please give us a call if you are looking for renter insurance in Colorado. call 800 960 5040 or visit us at http://www.coautoquotes.com .
What is an umbrella policy?
June 24th, 2010Many homeowners, motorist and business get liability insurance, this type of coverage is regularly a mandated law, but the thing about these auto insurance policies is that they come with a maximum limits that they are able to pay out, as a result of this an individual or a business can then seek to get an umbrella policy which would make provision to cover the cost of damages that exceeds the liability insurance payout maximum limit for a auto insurance policy.
In the U.S, states such as Colorado umbrella policies are sold in increments of $1 million dollars US dollars, these policies normally give protection against property damage and other personal injuries that may occur as a result of a vehicular collision, vandalism or natural disasters. Other things that are secure under umbrella coverage are libel charges, privacy invasion, false arrest and slander, it covers the cost of actual damages experience, court fees and also attorney’s fee.
Having an umbrella policy is good because it gives an extra security and protection in the event of a costly accident, injury or property damage. This policy not only protect you but it will also protect all those who are dependent on you, this is no joke it will even protect you pets, this policy take effect after your auto and homeowners liability payout has be depleted, because an umbrella policy can only take effect only when you have use your auto and home claims and because the majority of policyholder claims using there home or auto insurance policies getting an umbrella insurance policy is fairly inexpensive, policy holder can purchase a $1 million policy for as little as $150 to $300 for each year.
The thing about these insurance companies is that they will want you to buy both a home and auto insurance package in order to get an umbrella insurance policy with a umbrella policy the insured individual is able to get a higher limit on their liability coverage, it also gives coverage in the event you are being sued for causing an physical bodily injury, or damage to property this policy will rescue you.
An umbrella policy will not cover damage to any business which you may be operating the policy holder would have to get a separate policy for business purposes.
Policy Update
June 23rd, 2010Three policies written today… average annual savings of $486. two auto and one homeowners policy. http://www.auto-insurance-colorado.com
Policy Update Colorado Springs office
June 22nd, 2010Four Policies written today in Colorado. (two progressive,
one SafeCo., one Viking insurnace)
Average monthly savings of $33.
| http://www.insurance-colorado-springs.com |
Boat Policy
June 21st, 2010Wrote Boat policy for $132 per year. (full coverage) $24 down 13 per month payments. http://www.auto-insurance.com
Thomas Jefferson Quotes
June 21st, 2010Thomas JefThomas Jefferson Quotes that have collected http://www.thewhiterosegroup.com/ enjoyferson Quotes that have collected http://www.thewhiterosegroup.com/ enjoy
Happy Father Day
June 20th, 2010Happy Fathers Day to all.
auto liability coverage
June 18th, 2010If you are the cause of collision due to negligence on your part then you are legally responsible to pay a fixed coverage amount that is required by the auto liability insurance coverage. There are two types of auto insurance policy available – split limit and combined single limit.
Combined single limit insurance covers property damage and physical injury under
a specified amount of sum up $1 million, i.e. under the insurance let’s say a driver is
in an accident with another car which results in injury to the other driver and damage to his vehicle the policy would cover both the damaged vehicle and the injury person.
Split limit policy insurance breaks the auto coverage into two entities one for physical injury and the other for damaged property. The policy owner is able to choose the coverage amount for each category so a physical injury would be paid a certain amount and the property damage would be paid a separate amount i.e 45% for one and 55% for the other.
Property damage and liability insurance are both compulsory in Denver Colorado each state in the U.S determines their own mandated minimums for the auto insurance coverage. It is important to consider that minimum amount required by state is not sufficient to cover the cost of damages sustained in a medium type collision, not to mention a serious accident.
The internet has a vast amount of information online regarding this auto insurance from any of the major insurance companies in the Denver area of Colorado. They are able to provide you with a quote stating the amount it would cost to get this type auto insurance coverage.
What is Auto “Full Coverage” (comprehensive & collision) in Colorado Springs?
June 17th, 2010In reality there is actually no such thing as having full insurance coverage, it is just a term auto insurance agent’s use when advertising insurance policies, However full auto insurance coverage can best be defined as having the minimum liability insurance required by your state plus having additional insurance such as comprehensive bodily damage protection and collision coverage. The mandatory liability limit is determined by each individual state for those in Colorado Springs you are free to check online for an auto insurance quote from an insurance agency, a DMV or a regulatory insurance body.
Physical damage insurance contains both comprehensive and collision coverage, usually collision insurance will cover automobile damage due to collision into another object, while comprehensive insurance would cover vehicle damage as a result of vandalism such as glass breakage or theft.
Collision coverage is good to have because in the event of collision the auto insurance company would be liable to cover the cost of repairs even if the insured driver is at fault, Comprehensive coverage would cover the repair cost for the insured vehicle if it gets damaged outside the realms of a collision such as a fire or natural disasters.
Full Auto insurance coverage doesn’t cover every prospective loss. It will likely cover the cost for towing as a result of a vehicular accident in which the insurer is at liberty to make a claim; it does not cover the cost of a breakdown due to mechanical faulty, also it may not cover the damage to private property which is a result of the crash and it most certainly would not cover lost earning for drivers who depend on their vehicle in order to due business.
A driver who rents a car, the existing liability auto insurance will generally cover the car that the driver is using in the event of an accident, however it may not provide full coverage auto protection, the reason for this is because the rental car may be more costly to cover the repair or even to replace broken parts as opposed to a driver who using their own vehicle. A full auto insurance coverage policy will generally pay out the present market value for the vehicle. Colorado law doesn’t necessitate that motorists get comprehensive or collision auto insurance coverage, although most lending agencies require that borrowers get these coverage in order to protect the collateral of the loan.
Optional auto insurance coverage’s (roadside assistance, towing, rental)
June 15th, 2010As is required by most states, especially those in the Colorado region insurers usually get just the base minimum when it comes to coverage options, for some getting auto insurance means just setting only for the base policy, however getting additional coverage options can be very helpful in the time of an urgent need, getting these options are not a luxury necessarily because these option can be quite cost-effective saving lots of money in the event you need a your road towed or some roadside assistance.
In Aurora, Colorado auto insurance is a requirement for all drivers to utilize state roads, all drivers must possess auto liability insurance along with comprehensive and collision coverage however separate and apart from the common use auto insurance, drivers should also consider getting additional type of insurance such as towing, rental and roadside coverage to get better protection in the event of an emergency.
Many people believe that these coverage are not optional because they are utilized so often by individuals due to the fact that they are useful in a sticky situation. In the event of a car breakdown having roadside assistance can be quite helpful because the driver is able to call in for help which varies from getting a flat tie to accidentally locking one’s car key inside the car this coverage is not optional it’s a necessity.
Additional auto insurance coverage would also include car rental protection, when waiting to have a car repaired after a accident can cause a lot of inconveniencies because people rely on their vehicle for many different reasons ranging from transportation to making money so driver who get rental car insurance would benefits significantly from this because while their car is being fixed the auto insurance company would have to lend the driver a vehicle until the repairs the complete, many driver appreciate being able to have this ability to get a rental car in the event of an accident.
There are many optional auto insurance services available you can check online for any in the state of Colorado even though these are optional many drivers want to have a peace of mind in the event of an accident so they would normally add this additional auto coverage to their existing auto insurance policy.
Factors for rating auto insurance (gender, age, type of vehicle)
June 13th, 2010A very common question of concern among insured drivers is why does my auto insurance rate go up? The truth is that insurance company’s do not increases their rates at the same time due to the fact that each insurance company use their own risk assessors to determine and decide about how much each insurer will pay and how much increase will be implemented and when these increase will take place.
For those in Fort Collins Colorado you will notice that the auto insurance companies constructed their own algorithm to mathematically calculate insurance premiums so when you are given a quote the automated computer system looks at the different factors and points used for rating and then it determines a final amount which is known as your premium.
Each auto insurance company use different rating factors which make them differ one from the other in regards to policies, in the same breath there a many similarities that exist. New auto insurance companies are require more information to determine rating factors such as mileage, driving patterns, how often a driver stops, also they need knowledge of all household members who possess a driver’s license and has access to drive the vehicle but here are some standard factors of rating used by most if not all auto insurance companies:
Gender
Research reveals that women are less likely to be involved in a vehicular collision when compared to men who are reported to be involved in more accidents.
Age
Studies show age has a lot to do with rating factors because a higher percentage of accidents are more for some age groups when compared to another age group, specifically drivers below the age of 26 are more likely to get involved in an accident than driver s 26 years of age and older, the safest records for drivers are those between the age of 50 to 65 years of age.
Type of vehicle
The amount you pay for your auto insurance premium will be determined by the type and market value of your vehicle this will affect you pay to get property damage and physical damage auto coverage because every car model and make has a insurance history which the auto insurance companies use to placed drivers insured vehicle in a rating group that is similar usually a car that has a high report for vandalism or theft along with repair costs that are high it vehicle would incur are a higher premium.
What is a Broadform or Non-Owners policy in Colorado
June 11th, 2010Broad-form & Non-Owners policies are a very effective Insurance tool for many people. First of all there is a difference between the two, however there are some similarities. Both provide coverage that follows the driver instead of the vehicle. The non-owners policy covers the driver of a vehicle in that vehicle if the driver does not own the vehicle. A broad-form policy is coverage that follows the driver of a vehicle regardless of ownership. Now each company structures the broad-form & non-Owners policies differently. So please make sure to read the fine print to see exactly what is covered.
Two reasons or situations where these type of policies are needed:
1. A farmer or rancher with quite a few vehicles… there is significant savings for purchasing coverage that follows one driver no matter what vehicle he is driving vs. the expense of insuring each one.
2. Someone required to carry an sr-22 and does not own a vehicle. This coverage allows the insured to maintain their license via the sr-22 and it provides coverage that again follows the driver. Typically a Broad-form policy monthly premium is between $45 and $175. (Depending on age, driving record, credit, sex, marital status, ect.)
As an independent agent in Colorado it is our opinion that Viking/Dairy land currently offers the most affordable and best broad-form coverage. Once again non-owners policies can be a helpful tool in the right circumstances.
Shawn Christie
For more detailed information regarding Non-owners policies or broad-form policies please feel free to contact us @ www.auto-insurance-colorado.com.
To purchase any Insurance policy or just to receive quotes please contact us at the web address below. http://www.auto-insurance-colorado.com
We will send you $20 today & pay you while you drive!!
June 6th, 2010We will send you $20 today & pay you while you drive!!
Call to have bumper sticker sent to you. (800) 960 5040. Place bumper sticker on car then…
4 great ways Earn, Win, and Save.
- Each and every time we sell a policy that refers to your sticker # we’ll send you $20.00.
- If you send us a photo of the bumper sticker on your car we will send you $20.00 TODAY. (text, or Email)
- Each time someone buys a policy and refers to your sticker you are entered to win $500.00.
- While you’re at it, give us a call for a free no obligation no pressure quote! We shop the many companies to find you the best price.
To receive $$$ just send us your Name, Address, and Sticker # to
Sticker@coautoquotes.com or text to (719) 638-4400 …if a picture is included we’ll send you $20.
“Go green by taking out the red”.
June 5th, 2010Just a thought no data or study done here.
I was sitting at a stop light in the middle of nowhere… no other cars just me sitting there idling. I was trying to think of ways I could “reduce my carbon footprint” then “Bing” it hit me… just stop stopping at stoplights…lol.
- How much electricy is that stop light using 24/7/365.
- How much gas is wasted by my vehicle waiting on no one.
- What ever happened to stop signs.
I will give you that in certain areas lights are necessary.
But far too often stop lights are installed where they are not needed.
So the thought of the day is “go green by taking out the red”.
Bee Causes Big Financial Sting
June 4th, 2010Just today out side our residence a trucker was stung by a bee…. his tanker truck overturned…. Thankfully he is OK. He was wearing his seat belt. 
However, this small bee may have just caused thousands of $$$. Hazmat, Colorado state patrol, Teller county police, Colorado department of transportation, tow trucks, not to mention the lost revenue for a near by gaming community of Cripple Creek that lost their major access road for several hours.
Small details can cost big.
Progressive Motorcycle Insurance
June 3rd, 2010Progressive motorcycle insurance rates in Colorado start at $90 annually.
Tips for getting great rates on Auto Insurance
June 3rd, 2010Thank You Colorado!
June 2nd, 2010From all of us a A+ Insurance,
Thank you for Making this our best year yet.
Our family of friends continue to grow and we are truely greatful.
Thank you and God Bless
Auto Insurance In Colorado.
June 2nd, 2010Auto Insurance In Colorado.
Colorado is one of the most beautiful places on earth. O.K. as a native I am a bit biased. As a lifelong resident of Colorado and Owner of an Insurance brokerage I understand the uniqueness of our state as it pertains to auto insurance. Below I have listed a few qualities that sets Colorado apart:
- Larger vehicles. Statistically many more trucks and SUVs’. This creates a much Greater likelihood of more damage to other vehicles when an accident does occur.
- More severe and more frequent hail storms. Not many cars out there without a few dings in the roof and hood.
- Obviously we have more severe winters than most of the nation.
- Large amounts of Tourist traffic unfamiliar with driving conditions. (ski season)
- Large military presence, although the work that they do in protecting us as a nation is greatly appreciated, they are to large part young male drivers.
- Mountain passes, our winding roads make San Francisco look tame.
- I know you all want me to say something about all the CA transplants but I am not going there.
All that said our rates here are remarkably reasonable compared to the rest of the nation.
The Colorado auto insurance “actuators”(those who set auto rates based on zip code) must work very hard. J
All that said please understand that as a consumer you may have to shop around a bit more to find a company with good rates in your zip code. Not all companies have the same loss experience in a given zip code so an agent who can shop the competition can save a great deal of time. The losses (claims) that each company incurs vary in each zip code. In Colorado this is accentuated because of the environmental elements listed above. Tip 1. Find an independent agent who can shop many companies.
Tip 2. Re-shop rates at least every two years. Things change. Insurance is perceived as being very stagnant but as an independent agent I know that is not the case.
Thus, If your auto insurance rates seem a bit high remember that you have great views, great people, and a great state, but you may have to spend a bit more time shopping to find the best rates on your auto insurance. The good rates are out there just call your local independent auto insurance agent for help!
Shawn Christie
A+ Insurance