Perhaps one of the hardest things to motivate yourself to do is to get insurance. We all know we need it, but there’s just something about the idea of talking to an agent, crunching numbers, choosing a policy and signing on the dotted line that makes us all think that this is something that can wait until tomorrow. Perhaps that’s why insurance companies try so hard to make it easy for you to get a quote. Ours is one such company that offers easy insurance quotes, Colling Insurance Services of Lakewood, CO.

In the past, getting a quote form an insurance company usually involved going into an insurance office and listening to a lengthy sales pitch from an agent. These days, you can get quotes by phone or online, and the process is less about high-pressure sales and more about letting you find the coverage you want and need. Some companies even pride themselves on how fast they can get you a quote and get your policy set up, claiming to be able to do it in 15 minutes, or even half of that time.

In Lakewood, the absolute easiest place to get insurance quotes is from Colling Insurance Services. Our website, not only gives you an easy way to get a quote on many different types of personal and commercial insurance, you can actually compare quotes on auto and home insurance. If you like to be more "old school", you can always call for a quote at 303-987-3331. Even if you’re not necessarily looking for a quote, you can feel free to call or visit our website if you have any questions about insurance.

Umbrella insurance is available as extended coverage. These days lawsuits are everywhere, and lawsuits, however ridiculous they may be are winning with enormous awards. Our independent agent in Lakewood, Colorado can help you get this added security. Policies have limits as to what they will pay. An umbrella will extend those benefits and pay over what the policy pays. Automobile, homeowners, business, and watercraft policies all have limited protection on liability.

Accidents do happen, and no matter how careful you are, the accident may be your fault. If the accident is serious, you could be looking at a lawsuit. If found guilty for negligence, related to your accident, you could face a liability taking all your assets, if you do not have the correct benefits. As soon as your primary insurance has paid up to its limits, this extension will take over.

If you want this coverage added for your full security, make sure the benefits include certain coverage in the policy.

Look for benefits in this extended policy covering medical bills for the injured person, lost wages and any rehabilitative therapy care needed. Make sure that your benefits pay for legal defense and legal bills. This should include property damages. If your accident causes the injured permanent disability, your company may be appointed to pay for life.

Do not be caught in a situation, only to find out you do not have sufficient benefits to cover the unfortunate situation. You could find yourself in a lawsuit, all of your personal assets could be frozen and awarded, if you do not have the right coverage.

Umbrellas are inexpensive to get for what they provide in return. This liability benefit will protect personal activities throughout America and anywhere overseas. It is difficult to understand why people are not purchasing these benefits. Our independent agent believes it may be a lack of knowledge. Call our independent agent in Lakewood, Colorado today to help you secure your future.

Living in Lakewood, Colorado does not mean you have to spend a lot of money on your car insurance. If you look at your current insurance policy you will find that there is a section that lists out all of the discounts being applied to the premium. There is the good driver discount, good student discount and even a garaging discount that saves you money. One discount that you should be looking for is the multi-policy discount.

The Multi-policy Discount

There are several key factors that this discount has that are designed to save you money on your car policy.

1. By combining both the auto and the home policies you will save up to 10 percent to 20 percent off your car insurance policy. Some insurance providers also may take an amount off the home policy. You will have to check with your independent agent to find out where you are saving the most money.
2. The home part of the discount can either be a condo policy, home policy or even a renter’s policy. A home is simply where you live. Your agent will be able to help you determine which home insurance product is right for you.
3. If you have not bought a home product because you rent and you think your rate might be too expensive, you should get a quote. Sometimes the discount of the multi-policy discount is enough to pay for the cost of a renter’s insurance policy.
4. An important key factor to this kind of discount is that both the home and the auto policy should be listed with the same company. An agent will need to have both the home and auto in order to give you this special discount.

Getting the best insurance quotes online from multiple carriers requires gathering and evaluating information. Websites that aggregate quotes to display information from multiple providers can be a good starting point for some shoppers. At these sites, users are asked to enter some personal information and information about the type of policy they are seeking. The site’s search engine then collects and displays quotes from multiple providers. Receiving a set of quotes from such a site allows shoppers to view a list of providers that offers their type of plan and gives them an idea of the costs associated with each. However, the usefulness of this information can be limited as not all insurance providers will show up in these search results, and it’s possible that not all relevant information related to the person to be insured will be factored into the quotes. For example, search results may not take the persons location into account. Although this type of online search can have its limitations, it provides a starting point for researching an insurance purchase.

After gathering quotes multiple providers in one easy step, the next step is to evaluate each offer and investigate the providers further. Visiting the websites of the providers, getting direct quotes from them, and inquiring about discounts can follow. Researching the policy and provider to discover their record of customer satisfaction can also be essential before committing to an insurance purchase.

Using the online tools available to them, many shoppers discover and purchase insurance policies that meet their needs. But conducting research can be time consuming, and some opportunities may not show up in search results. Consulting with an independant agent who can use his insurance quoting software to gather the information can streamline your search and garner the best results. In particular, consulting with a local insurance agent can help you get results tailored to you and your Lakewood, Colorado, location. Finally, the insurance agent will be able to identify reliable providers and suitable policies at a glance and make recommendations that lead to good buying decisions.

Purchasing insurance does not have to be difficult if you understand all of your options. The best way to know if you are getting a good deal and a great price is to compare multiple quotes online.

Homeowners insurance is a must if you own or rent a home in Colorado. There are different types to choose from depending on your situation. If you own your own home, you will need coverage that protects your home and your belongings. If you are living in a condo, you may not need as much coverage since your HOA will pay for some insurance expenses. If you are renting a home in Colorado, you will probably only need to worry about your belongings. Your landlord will take care of the actual house you rent.

Finding the best automobile, motorcycle or RV insurance is also simple. When you compare rates online, you can save time and find a price that will fit into your budget. You will want to choose between liability or comprehensive coverage for your automobile. If you are trying to save money, taking a motorcycle safety course could reduce the cost of your insurance premium. There are several different options for recreational vehicle insurance depending on how you use the unit.

Once you understand all of your options for Colorado insurance, you should compare quotes and rates online. Do yourself a favor and take some time to look today.

Liability insurance is coverage that protects you financially against the injuries or damages that you cause to another person or that person’s property. Liability coverage is essential to protecting your personal assets against lawsuit, and with regard to auto insurance, it is mandatory. However, not all liability coverage is the same, and what you don’t know about liability insurance could ultimately cost you.

How Much Liability Coverage Do You Need?

The amount of coverage you need depends on the value of your assets and the state in which you live. Each state in the U.S. has varying minimum requirements for auto liability coverage. In order to operate a vehicle, you need a specific amount of coverage for property damage, individual bodily injury costs and total accident bodily injury coverage. Driving with less than the minimum coverage is illegal and may result in loss of your driver’s license, fines and even jail time.

If you live in a state with very low liability minimums, you will probably need to invest in more coverage than the minimum. Just because your insurance limits are reached, it does not mean that you are not legally liable for the remaining damages and injury you cause to another person. Once your insurance coverage limits are met, an accident victim may pursue you in court for seizure of your personal cash and assets to help pay for damages.

Whether you own a home, an automobile, or motorcycle, you need to compare quotes online to find the best insurance. Many people do not realize how important purchasing affordable insurance is for themselves and their family. If you have made a large investment in a home, you will want to make sure it is protected against all types of disasters. If you are unsure how much coverage you need, you will want to compare Colorado insurance quotes online. Make sure you not only protect the actual structure of your home, but also the contents and any out buildings or garages. Insurance will protect all of these items in the event of a tornado, fire or wind storm.

Owning an automobile or motorcycle in the state of Colorado is a big responsibility. You need to protect yourself in the event of an accident and you also need to protect your passengers and anyone else involved. When you compare quotes online, you can make sure you are getting the best deal possible. You will want to compare rates for both liability and comprehensive coverage and decide which one is best for your situation. No one plans to be involved in an accident, but sometimes it is unavoidable. Just make sure your Colorado insurance is up to date.

Before purchasing any type of insurance policy, compare rates online. This is the best way to find a great deal that fits into a tight budget.

You need to purchase auto insurance before you hit the highways in Colorado. Before you can apply for a mortgage loan to buy your dream house in the state, you need homeowners insurance. And to provide a financial safety net for your family, you need to purchase life insurance, which will protect your loved ones should you die unexpectedly.

And while you want all the protection that insurance can offer, you don’t want to pay top dollar to get it. Fortunately, you don’t have to overspend on insurance in Colorado, whether you’re buying health, life, homeowners or auto insurance. All you have to do is work with an independent insurance broker to find the lowest rates.

Independent brokers can quickly scan live quotes from the country’s biggest insurers. They can then instantly provide these quotes to you. Armed with this information, you can scan the policies available to you to determine which offer the best coverage for the fairest price.

This represents a dramatic improvement from the old way of shopping for insurance. Before, consumers had to spend a day or more on the phone with different insurance companies. Not only was this time-consuming, it was frustrating. You had to tell insurers the same information countless times to get your quotes.

By working with an independent insurance broker, you can no receive dozens of live insurance quotes with one phone call or in-person visit.

If you want to shop for the lowest rates on insurance in Colorado, don’t forget to contact your local independent insurance broker.

Searching for information online can be a great place to start when you’re looking for more information on Colorado automobile insurance and home insurance. However, your insurance agent will be able to answer more detailed questions that may not be listed as specifically on the company’s website or on general informational insurance websites. To make sure you get proper insurance coverage for your needs, make sure to ask your Colorado insurance agent the following questions at your next meeting.

• What is the legal requirement for auto insurance in Colorado? If you’re still driving a 15-year old car from high school, it is usually a cheaper option to just pay the bare minimum for auto insurance. This is because the cost of simply replacing your vehicle after it has been in an accident may end up being cheaper than paying property insurance on it for several years.
• How can I qualify for discounts? Everyone wants to save money on their insurance payments, and most Colorado insurance companies are willing to help you do just that by rewarding preventive behavior. For example, taking a driver’s course and installing a car alarm can knock down the price on your auto insurance, while installing a home alarm and a new roof can get you discounts on your home insurance.
• How do I file a claim and how long does the process take? You want to be prepared when a disaster strikes, and knowing what to expect from your insurance company is one of the best ways to do this. Make specific inquiries about certain disasters– minor to major car accidents, roofing collapses, minor hail damage, etc.– to make sure you will have a plan ready for anything.

Meeting with your insurance agent isn’t exactly a fun experience, but it’s important to undergo these recommended conferences to make sure your coverage plan is up to date and in keeping with your needs and preferences. Although your insurance agent will be able to access most of the information needed for the meeting, bringing these materials yourself will make the process go much smoother and faster, which is beneficial for both you and your insurance agent. The materials you should bring will vary depending on the type of insurance you and your agent will be discussing. The following lists detail the appropriate materials to bring for meetings regarding both home insurance and auto insurance.

Home Insurance:

• Your property deed or mortgage documents
• A list of all construction materials used to build your home
• Evidence of the age of your home
• Safety features near your home (law enforcement centers, fire departments, etc.)

Car Insurance:

• Make and model of the vehicle(s) you wish to insure
• Vehicle identification numbers (VINs) for each vehicle you wish to insure
• Name, social security number, birth date, employment status, and marital status of each driver requesting insurance coverage
• Reports of any former accidents, traffic violations and other related incidences associated with drivers requesting insurance coverage
• Documents indicating driving school courses taken and certifications earned by drivers requesting insurance coverage
• Drivers license number, the state in which the license was issued, and the age each driver received his or her license