Monthly Archives: November 2014

Buy Cheap Homeowners Insurance in Colorado

Choosing a homeowners insurance policy isn’t always easy, and Colorado residents have plenty of dangers to protect their homes against. From harsh winters and unpredictable weather to theft, vandalism, and liability issues, there are plenty of good reasons to choose an insurance policy carefully. With so much at stake, this is one investment that deserves some extra attention.

But that doesn’t mean it has to be a headache, or that you’re stuck paying ridiculously high rates. Homeowners insurance rates in Colorado can be surprisingly low, if you take time to compare quotes and make sure you’re paying for only the coverage you actually need. These tips will help you work with our independent agents to save (without skimping on coverage).

1. Know the value of your home.

By taking the time to get your home appraised, you’ll get a good idea of just how much coverage you need to protect your property. That means you won’t end up paying for more coverage than you need or, worse, finding out too late that you don’t have enough.

2. Ask about discounts.

As your local independent agents, we want to connect you with the best homeowners insurance rates possible, but we need information on your situation. Some companies offer discounts for behaviors or home upgrades that lower your risks (of theft, liability issues, and other dangers). So investing in that home security system, a fence around your pool, or other safety measures could cut down on your yearly insurance costs; just ask.

3. Look at more than the price tag.

Choosing the lowest quote you’re offered isn’t necessarily the best deal. Take the time to compare the details of quotes and ask about coverage options. Like auto insurance, going with the most inexpensive basic coverage offered can leave big gaps that can cost you thousands in the long run.

Affordable Car Insurance for High Risk Drivers in Wheat Ridge, CO

When you or a family member is classified as a high risk driver in Wheat Ridge, CO, it can have an impact on your auto insurance policy. In many cases, your car insurance rates will increase, even when you have limited coverage. Fortunately, there are ways to help reduce the rates and enjoy affordable coverage.

Compare Your Options

A high risk driver can range from an individual who has recently been given a speeding ticket or who has been in an accident to an individual who has driven while under the influence of alcohol or a medication. Depending on the severity of the situation, the costs that can be offered to a driver can vary.

Even though an accident or a recent ticket can be a sign of reckless driving, different insurance providers will evaluate the situation in a different way. Comparing several options can help you find the most affordable policy for your current situation.

Reduce Coverage

Although you are required to maintain some liability protection, it is not always necessary to purchase full coverage for your vehicle. Focus on coverage that addresses your personal concerns. For example, reduce the coverage for theft if you live in an area that has a low risk or eliminate any coverage that is already available on another policy. By cleaning up the coverage that you have purchased, you can ensure that your concerns are addressed without paying for additional protection that you do not need.

There are several ways to reduce your car insurance rates, but the best option is to improve your driving record and take measures to reduce the risks associated with driving. To learn more about getting a fair rate for your car, contact us to talk to an agent today.