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.

When you move out of your parents’ house and start your college or professional career, the world seems to open up. The independence that comes with that move is both exhilarating and nerve-wracking. But newfound freedom comes with a couple caveats. One of the biggest? The financial obligation.

From groceries and rent to clothing and apartment decor, you have many bills to account for once you live on your own. If you drive a car, your auto insurance rates add to this increasing list. But there are ways to decrease that bill if you know a few tricks.

Compare Companies

The first step you must take toward finding your best auto rate is to shop around. Many people ignore this step and simply renew with their current company or sign with the most popular establishment. That quick choice could hurt your bottom line. But it is difficult to compare auto insurance quotes on your own because you aren’t familiar with the process.

Work with an independent agency that will find the best rate for you. Professional agents use their skills to access the policy that gives you the coverage you need at the price you want.

Take Care on the Road

You should already do your best to drive safely. There are inherent benefits that come from safe driving practices, but lower auto insurance rates is an added bonus.

Whenever you get into a fender bender or receive a speeding ticket, the state notes the incident on your driving record. Most states use a points system to track your violations (and their severity). Some minor infractions like forgetting your proof of insurance or driving with a broken taillight do not incur points. Instead, you will likely just pay a fine. However, larger violations accrue points, and those points increase your rates.

At its most basic, insurance is a gamble. You bet that you might have an accident one day, so you choose to pay premiums. Insurance companies gamble that its customer base will pay more premiums than the company must pay out.

So, if you show insurance carriers that you are a high-risk gamble by speeding or causing accidents, they charge a higher premium to offset the risk. But the other side is true as well. If you display a clean driving record and continue to drive safely, insurance premiums decrease.

Study Hard

In School

Your classroom performance affects your transcripts-and your insurance rates. Young drivers often pay higher rates because they have less experience behind the wheel, and that inexperience creates a higher accident risk. Good grades can reduce some of that cost. Insurers give many reasons for this policy, but the most common is that the high GPA shows you are attentive in school, which could translate to caution on the road.

In Defensive Driving Courses

In addition to standard school classes, consider taking a supplemental driving course. Many insurance companies offer discounts if you complete a defensive driving class, but make sure that you speak with your agent before you sign up. He or she will inform you about the discount rates and accredited classes in your area.

Recover (or Build) Your Credit

Many insurance companies review your credit before they offer a rate. Why? Like their school comparison, they believe that if you are careful with your credit, you will be more careful with your car. If your credit is on the low side, don’t worry. There are many things you can do to improve it:

• Get a low-interest or secured line of credit.
• Make all payments in full every month.
• Keep credit accounts open as long as possible.
• Maintain a low balance on all credit accounts.
• Review your credit report, and dispute any mistakes.

Your higher credit score may translate into lower auto insurance rates, so inform your agent when that important number raises.

Choose Age Before Beauty

Sleek, new cars may look great in the driveway. They may even make you feel great when you cruise around town. But they won’t make you feel great when you see your insurance bill every month. Top-of-the-line vehicles tempt thieves, and their repairs tend to be expensive.

To cut down on insurance costs, choose an earlier model. However, always choose a vehicle that you will feel safe in and that will survive your commute. It’s not worth finding a car that has low insurance potential if it has to visit the repair shop once a month.

Install Security Features

If you already have a late-model vehicle and need a way to decrease your current insurance, install a few anti-theft features.

Speak to an agent about discounts for car alarms, hood and tire locks, tracking systems, and kill switches. Some of these devices are pricey, so weigh them against the discount amount before you make an investment.

Now that you know a few ways to decrease your insurance rates, get started. This is an important step for any driver, so don’t wait to get your affordable coverage today.

Whether you're a sales office worker in Wheat Ridge, CO or a stay-at-home mom, there's a good chance that you want or need your own form of transportation. As an independent insurance agency in Wheat Ridge, we are here to help make sure you are adequately covered with the auto protection you need.

You never know when a quick trip to the Dolce Sicilia Italian Bakery or local grocery store might turn out badly. Take for instance that you're almost home after picking up a bite to eat at Thai Green and Sushi, and on your way home a deer runs out in front of you. Try as you may, you swerve and hit your brakes but still yet, you hit the deer. And although the damage may seem minimal, once you get the car into a shop, your mechanic and body work specialist tell you the damage is totaling more than $2,500.

Do you have $2,500 on hand for car repair expenses? Probably not, but with a comprehensive insurance policy, you don't have to fret about hitting a deer or any animal because the repair costs will likely be covered.

Additional Benefits of Comprehensive Coverage

Living in Wheat Ridge means you know firsthand how extreme the weather can get in the 80033 zip code area. If your car becomes the victim of flood or hail damage, a basic liability insurance policy won't be sufficient. But with a comprehensive policy, once you pay your deductible, the additional repair costs will probably be covered.

Most comprehensive policies also cover claims relating to:

• Vandalism
• Theft
• Fire
• Falling objects

It's also with a comprehensive policy that you will likely have access to a rental car in the event that your car has to be put into the shop. Knowing that your transportation needs will always be met gives you great peace of mind, and this is just another reason why you need to get quotes for a comprehensive auto policy.

If you want to drive in Applewood, CO, you need auto insurance. It’s against the law to drive without the proper insurance anywhere in Colorado. And if you ignore this rule? You could face heavy fines and the suspension of your driving privileges.

Unfortunately, auto insurance is not inexpensive. There is good news, though; today it is easier than ever for Applewood motorists to shop for low-cost insurance coverage.

You can thank the Internet for this. We at Colling Insurance Services offer our own online rate-comparison tool on our home page. By entering basic information about yourself and your vehicle, you can instantly pull live quotes from insurance companies serving Colorado. These quotes will come with price and coverage information, so that you can decide which best fit your need.

Once you’ve done this research, you can call us. We’re an independent insurance agency. This means that we have access to insurance policies from the largest companies in the industry. We can work with our partners to find you the insurance coverage that will keep you on the road without breaking your budget.

Be aware, though, that every driver is different. A policy that works well for one motorist might not provide sufficient coverage for another. That’s why it’s important to talk with one our independent insurance agents. Our agents are experienced professionals, and they can recommend the right insurance package for your vehicles.

Remember, the cheapest option isn’t always the best. If you get into a serious accident, you want your insurance policy to provide the financial protection you need. Those low monthly premiums won’t seem like such a bargain should one major accident send you into a deep financial hole.

Try our rate-comparison tool today. Then call us. We’d be happy to discuss your vehicle insurance needs and goals.

Think back on your teenage years when you excitedly (and nervously) prepared for your driving test. Perhaps you studied harder for the driving exam than any other test you took in high school. Those hours of study ensured that you walked out of the DMV with a license in hand and the freedom to drive around town without parental supervision.

Now you have a teenager approaching that milestone. Suddenly, you understand your parents’ reluctance to hand you the keys to the family car. The key to navigating this rite of passage is open communication and an agreed-upon set of rules. Before you take your teen to the DMV to get a learner’s permit, sit down for a frank discussion about your house’s driving rules.

Review Colorado’s Teen Driver Laws

Statistics show that teen drivers are more likely to be in an accident than older, more experienced drivers. In fact, the CDC reports (http://www.cdc.gov/motorvehiclesafety/teen_drivers/teendrivers_factsheet.html) that more US teens die from car crashes than any other cause. Teens are especially prone to accidents when they are driving at night or while distracted.
These grim statistics concerned Colorado residents, so the state passed extra driving rules that apply to teen drivers. Intended to keep young drivers safe, these laws:
• Make seatbelt use mandatory for the driver and all passengers.
• Prohibit any cell phone use while driving, including texting and talking.
• Establish a curfew. Teens aren’t allowed to drive between midnight and 5 a.m. without a parent or other legally responsible adult in the car.
• Set limits on the age and number of passengers allowed in the vehicle during the first year of driving. (There are some exceptions if family members are in the car.)
Though your teen might be familiar with some of these rules, you should still take the time to review them carefully one-on-one. You can also set a good example by following applicable rules when you drive. Always wear your seatbelt, and limit cell phone use when you’re behind the wheel.
Agree When You Can Withdraw Driving Privileges
Some teenagers feel that a license in their wallet entitles them to drive wherever and whenever they want. You can avoid this mentality by making it clear that driving is a privilege in your house. If you attach penalties or rewards to driving, your teen is more likely to recognize that driving involves responsibility. The more they know about this responsibility, the more they will respect it while operating a vehicle.
As a parent, you have the right to take away your teen’s driving privileges if they don’t follow the rules. To ensure fairness, involve your teen in establishing the ground rules. Teens who help parents establish driving rules have a stronger incentive to abide by those rules.
Here’s an example of how you can motivate your teen to abide by driving rules: Imagine you and your teen agree that you’ll pay the extra car insurance premium for a teen driver as long as your teen remains eligible for a good student discount. If your daughter’s grades then drop after she gets her license, she must either pay the extra amount or lose driving privileges until she pulls her grades back up.

Determine How to Track Your Teen’s Driving Behavior

After you discuss state laws and family rules, you might still have concerns about your teen’s behavior behind the wheel. With your teen’s permission, you can enlist the help of some electronic allies to track their driving habits.
You can install various apps on your teen’s smartphone to monitor different driving behaviors. These apps are divided in two primary categories:
• Driving watchdogs. Apps in this category keep track of top speeds, excessive braking, and driving time. Some even send parents text alerts when the driver violates a speed limit.
• Distraction minimizers. These apps use a variety of methods to discourage teens (or any driver) from checking cell phone alerts while driving. Some disable the phone from functioning when it senses movement faster than 5 miles per hour.
Others read the alerts aloud so drivers don’t have to take their eyes off the road.
It’s usually worth paying for the full version of any driving app so you use all of its features. Test out the free versions on your phone first, and check reviews before you settle on your favorites.
It’s important to discuss smartphone driving apps with teens so they don’t feel like you are invading their privacy. If your teen isn’t too ecstatic about the idea, try to agree on some rewards your teen can receive after driving safely for a set amount of time.

Drive to the DMV

Once you discuss these topics with your teen, it’s time to head to the DMV. You’ll feel safer about your teen getting behind the wheel once you’ve established the ground rules. Even when they follow driving rules perfectly, teens still need extra protection as new drivers. Remember to call your auto insurance agent and add your teen driver to your policy.