Monthly Archives: April 2012

Don’t forget the broker

Need to buy homeowners, car, life or health insurance? Don’t forget your local independent insurance broker if you want to save money on these important policies.

Insurance is a necessity. Auto insurance can protect you financially if you suffer a serious car accident. Life insurance can provide your family with a financial safety net should you pass away unexpectedly. And homeowners insurance can help you rebuild if your home is destroyed by fire, tornado or other disaster.

Unfortunately, these insurance policies cost money. And in today’s tight economy, one in which unemployment is high and the cost of gasoline is soaring, the one thing most people don’t have is extra money. Fortunately, you can save on your insurance policies by visiting an independent insurance broker.

Brokers can search the biggest names in the insurance business to provide you with live quotes from a wide variety of firms. You can then compare these quotes — and the protection that each insurance company is providing — to determine which policy is the best fit for you and your family. By working with an independent broker in this way, you could shave hundreds of dollars off your insurance bills each year.

The best news? Brokers can provide you with live quotes instantly. You no longer have to spend your time calling multiple insurance companies to find the quotes you need to make an informed insurance decision.

If you’re ready to slash your insurance bill, be sure to visit a local independent insurance broker today.

Understand Your Colorado Insurance Options

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.

Comparing Colorado Insurance Quotes Online

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.

Liability Insurance — What You Don’t Know Can Cost You

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.

Should I drop my homeowners insurance if my home is paid off?

You’ve finally paid off your mortgage loan. That’s a significant monthly expense eliminated from your budget. But now you’re wondering if you should eliminate one more expense and drop your homeowners insurance.

The answer? Definitely not.

Homeowners insurance protects you in case your home is damaged or destroyed. This doesn’t change even if you have paid off your mortgage loan.

Consider this: What if a fire destroys your home? What if high winds sends a tree through your home’s roof? Can you afford to repair this damage even without the financial burden of a monthly mortgage payment? If the answer is no, then you can’t afford to eliminate your homeowners insurance.

This insurance, after all, will cover the damages suffered by your home. Serious home repairs can devastate your finances if you do not have the protection provided by homeowners insurance.

The good news is that you can save money on homeowners insurance by shopping with your local independent insurance broker. These brokers can instantly access live quotes from the country’s biggest insurance providers. You can then study these quotes to determine which homeowners policy best fits your current needs.

You can also tweak your homeowners insurance. You might want to lower your coverage depending upon how long you’ve owned your residence and how much of your mortgage loan you’ve paid off. Again, you can meet with your local independent insurance broker to make these arrangements.

Coastal guidelines for auto insurance

Driving on the coast in the United States can be a breathtaking experience with the ocean in the backdrop. However, the risks are high for local residence who reside near the beach. Your automobile needs to be protected with the right insurance coverage. A knowledgeable agent who knows the coastal guidelines for insurance can assist with providing the satisfaction that you are prepared in case a disaster takes place. They will know how to shop around for the best price without breaking the bank. Hurricanes, floods, earthquakes, and other natural disasters can auto insurance to be expensive.

Every state will have coastal guidelines for auto insurance. In California, earthquakes will be more prevalent. Hurricanes seem to strike more frequently between the Texas and Florida. Understand the potential hazards of your region. You never need to assume that you are covered unless it is listed in the contract. One word in the contract may determine if you are covered at all. If you park your vehicle in a garage, the cost of the premium may be reduced. Keeping your vehicle on higher ground that is a good distance away from the beach can save you money. Regardless, your vehicle will have to be inspected before a carrier will insure it. Your local insurance agent can help you make sure that you are following simple coastal guidelines. Contact us for a free quote, today!