Teens often get very excited when it comes to getting their driving permit. And while preparing teens for driving in harsh weather can sometimes be difficult, you can’t control the weather. It never hurts to get out and about and practice with them when the weather gets rough. If you’re considering teaching your teen how to drive in the fog, you’ll definitely want to keep the following tips in mind.

Use Windshield Wipers

Fog is moisture in the air, and it will stick to the windshield. This is why you should instruct your teen to always use wipers in the fog. Not only will this help your teen to see better out of the windshield, but it also helps prevent glare from any oncoming traffic. 

Understand How the Lights Work

Many newer cars come standard with daytime running lamps, and while these lights can prove to be of the utmost value during the day and at night, they don’t control a driver’s tail lights. Keeping this in mind, if your teen’s car has daytime running lamps, make sure you tell them that they will need to manually turn on the headlights to ensure the tail lights are lit in the foggy weather. 

Slow Down

The number one tip your teen needs to be following is to slow down in foggy weather. Even if it’s daylight outside, it can be extremely difficult to drive in fog, especially when it blocks the driver’s view from seeing oncoming traffic. If it’s extremely foggy, your teen should be doing well below the speed limit, preferably at least 10 to 20 mph slower than what the speed limit is. 

To learn more about driving in foggy weather, contact Colling Insurance Services Inc. today. 

When you’re driving in Lakewood, CO or anywhere else, you want to make sure you are as alert as possible. It can be difficult if you have been working long hours or have spent too much time on the road already. The good news is that there are tips to help you stay more alert and focused as you continue to drive.

Approximately 100,000 police reported crashes occur in the United States every year because of people driving while drowsy and it has been estimated that around 37 percent of drivers have fallen asleep at one point or another while driving.

The best thing to do is acknowledge that you are too tired to drive before you even get behind the wheel. Ask someone else to drive or call a taxi to take you to where you need to go. It is much better to spend the money on alternative transportation or be late getting home than to get into an accident that is your fault because you fell asleep while driving.

Follow these tips to be more alert:

• Don’t drive on the road for more than three hours at a time without stopping
• Drive with a partner or passenger
• Sing along to music to keep you more awake and focused

Auto insurance is of the utmost importance and you want to make sure you have the policy that’s right for you. At Colling Insurance we are going to work with you to find a policy by working with many insurance companies that are licensed to issue within the state of Colorado.

Call today and let us find the best policy. You can then be sure you are going to be well protected while on the roads – and you can make sure you are being the best driver by staying more alert.

If you’re going to operate a motor vehicle on a Colorado roadway, you’ll have to be financially responsible. That means you’re required to have liability insurance with minimum coverage of $25,000 per person, $50,000 per occurrence, and $15,000 for property damage. That includes underinsured/uninsured coverage along with $5,000 in medical payments coverage.

Although Colorado’s mandatory minimum liability coverage law is one of the best in the country, it’s still just not enough. It doesn’t take much to exceed $25,000 in damages in a personal injury claim. That’s probably an emergency room visit and a couple of days in the hospital. If a jury comes back with a $100,000 verdict and you were driving on a $25,000 policy, you’re personally on the hook for the $75,000 excess.

As independent insurance agents, we don’t want to see you put in an excess liability situation. We’re respected and established business people that live and work around the Wheat Ridge community. We want to see you well protected on the road, but we also don’t want you to be paying too much for car insurance.

Because we’re independent agents, we work with multiple car insurers and give you choices of your insurer, your coverage amounts and how much you’ll pay. That’s the unbiased and objective information that we’ll give you. Since we’re not married to one of the "big three" insurers, we’ll give you the best quotes available from a range of well established car insurers that you can choose from.

Whether you’re looking to insure a vehicle you just bought, or you’re tired of paying high premiums for the same coverage we can provide you with, call us for the best quotes in and around Zip Code 80034 . Our agents are happy to talk with you.

Lakewood, Colorado is a growing metropolitan and has a number of high-end real estate communities. The economy is strong and the city promotes small businesses. Recreational facilities are located throughout and there is also a considerable amount of tourism that comes through the city, both during the summer and winter months.

When there’s a learners permit in your home, you have to look at the coverage on your car insurance. If you used to have the minimum for the state of Colorado, you may want to consider increasing the liability for both personal injury as well as property damage.

A new driver is still learning. They may know the rules of the road, but they are inexperienced and they haven’t developed fast reaction times yet. They are at a greater risk for being involved in an accident. There is a good chance that the accident is going to cost a lot of money.

By increasing the liability coverage on car insurance, the insurance company would pay for the damages and hospital bills instead of coming back to you. If you’re only covered for $25,000 worth of property damage and the accident results in $50,000, you would be responsible for the remainder – and that’s a lot of money.

By working with agents, you can make sure your learner’s permit in Lakewood is properly protected. If there is an accident, the coverage is in place so it doesn’t end up costing you a lot of money. You should be able to pay just the deductible and let the insurance company take care of the rest.

Determining how much to increase the liability to can depend on the driver as well as your budget. Call and talk to one of our agents today and let us help you get a policy you can rely on.