Monthly Archives: November 2016

Had an Accident? How to Counter Your Insurance Premiums Rising

If you were involved in an accident in the Lakewood, CO area, there is a good chance your auto insurance premiums will increase. Unfortunately, this can be cause for alarm if you are on a tight budget. Fortunately, there are a few things you can do to counter these increases and hopefully keep your auto insurance affordable. Here are three of those things.

Showing You Weren’t At Fault for the Accident

In some cases, your insurance company won’t increase your rates if you can show you were not at fault for the accident. Obtain a police report or witness statement after the accident to show you were an innocent victim in the car crash.

Reducing Your Coverage or Deductible

If you caused the accident, it will be hard to keep your insurance premiums at the same rate. However, reducing your coverage or increasing your deductible may help to keep your premiums at the same amount. Always ensure you can still afford to pay your deductible though, or this can hurt you more than it will help you.

Pricing Out a New Auto Insurance Policy

If your current insurance company is planning to drastically raise your rates after an accident, it may be time to find a new one. Take the time to price out a new auto insurance policy instead of assuming your current company is still the right one for you.

If you are looking to price out a new auto insurance policy in the greater Lakewood, CO area, contact Colling Insurance Services, Inc. We are here to help you with all of your auto insurance needs, including finding you an affordable policy after being involved in a car accident. Contact us today for a free quote.

Why Having Home Insurance Can Save You During the Holidays

The holidays carry a lot amazing moments in Lakewood. CO and residents take the good with the bad. Most of the time, they’re filled with family, friends, and cheer, but sometimes things go awry. Here are some common scenarios to keep in mind, and how home insurance can help. 

Kitchen Fires 

Fried turkey is certainly a crowd pleaser, but it’s not necessarily easy to make. There’s a reason why those who aren’t quite sure of what they’re doing with the fryer are more likely to cause a fire this year than not. Colling Insurance Services, Inc. can help you find a policy that protects against fire due to kitchen mishaps. 

Aggressive Animals

When guests come over to the house, they may end up being more stressed out than we realize. Bites and damage are more common around this time of year as dogs and cats adjust to new smells, people, and routines. Home insurance may be able to provide some type of relief if you are sued or possibly even cover the financial costs.

A Guest Slips

Whether it’s a toy that was left out in the unwrapping frenzy or an icy puddle on the front steps, you’re typically held liable for a guest’s fall. Whether it’s family or friends, it’s worth having coverage to help.

Car Thefts

When you shop, it’s normal to put some gifts in the trunk for safe keeping (and hiding) until you can get them in the house. Should they be stolen, home insurance may be the only way out of having to buy them all over again.

Colling Insurance Services, Inc. serves the people of Lakewood, CO, and can help you stay safe over the holidays. Call us for more information today!