Category Archives: Auto Insurance

How Much Auto Insurance Coverage Do I Need?

Getting the right amount of auto insurance coverage protects you from financial losses in case of a car accident. It helps you to pay for liability claims and the costs of repairing or replacing your car after an accident. Protect your vehicle in Lakewood, CO by getting the help of Colling Insurance Services, Inc. The trained and experienced agents will help you to find the right type and amount of auto insurance based on your needs. The following are some of the coverage options and how much you need.

Liability Coverage

Colorado drivers must have a minimum of $25, 000 per person for bodily injury liability, $15,000 for property damage liability, and $50,000 per accident for bodily injury. You should, however, try to carry liability coverage that is above the state’s minimum requirement. The amount of liability coverage you take depends on your assets and how much you have to lose in case of an accident. If you do not have enough liability coverage, you may have to sell your assets to settle payments when you are held liable for an accident

Collision Coverage

Collision coverage compensates you for the cost of repairing or replacing your car after an accident. Consider the amount of money it takes to repair or replace your vehicle and get the appropriate amount of insurance coverage. If you have a new or expensive, you should get as much collision coverage as possible. The same applies to comprehensive coverage.

Extended Coverage

Some people need more than the basic auto insurance coverage options. Extended coverage options such as umbrella insurance offer supplemental protection.

Speak to your insurance agent to find out how much auto insurance is enough for your needs.

Contact Colling Insurance Services, Inc. for your auto insurance needs in Lakewood, CO.

Finding Adequate Insurance When You Have a Bad Driving Record

Are you a driver with a bad driving record in the Lakewood, CO area? Past mistakes should not prevent you from securing the adequate car insurance that you need to protect yourself and your family. The team at Colling Insurance Services, Inc. are here to help you secure appropriate insurance and move forward with your life!

A Less than Perfect Driving Record Should Not Hold You Back from a Bright Future

One of the most helpful actions that you can take to improve the quality of auto insurance options that are available to you is to enroll in a Safe Driving Course. Whenever possible, take the necessary steps to reduce the "points" associated with your driving record as they can have a negative impact on you during your quest to obtain insurance. In the worst case scenario, you may be placed into a high-risk pool that will provide coverage but is less than ideal position to be in. If this happens to you, we recommend that you meet with one of our qualified agents to learn more about the steps that you can take to improve your driving record and secure appropriate auto insurance outside of the high-risk pool.

We all make mistakes, and while there must be accountability, there is no reason for a bad driving record to hold you back from a bright future. Our team is knowledgeable about the options available to clients with a less than a stellar driving record, and they can also help you to improve your overall profile. A proactive approach that includes a plan for the future is highly recommended.

Don’t let a bad driving record hold you back, contact Colling Insurance Services, Inc. today to learn more about your insurance options in the greater Lakewood, CO area.

Will Adding My Teenager Increase My Auto Insurance

When it comes to keeping your teenager safe on the road, you want to make sure they are driving in a safe vehicle. One way to make sure the care they are driving in is safe is by having the tires rotated on a regular basis. Also important is to check the tread depth on the tires and replace them as needed. A tire blowout can lead to accidents and you want to avoid this at any cost. Furthermore, to keep your teenager safe on the road, you should invest in an auto policy. You may be asking yourself if adding your teenager to your policy is going to increase your rate. Let’s take a closer look at the answer to this question. 

Yes, Your Rate Is Going to Increase

Generally, your insurance rate will increase when you add your teenager to your auto policy. Why? Because teenage drivers are at the highest risk of being involved in an accident. Also, your teenage driver hasn’t had an insurance policy before, meaning it will cost more to insure him or her. 

You Have to Start Somewhere

One of the biggest factors insurance companies consider when determining the rate for a driver is whether or not they have had insurance before. Once you add your teenager to your policy as a driver, this will start building up his or her driving history; this will help secure lower rates on insurance as he or she gets older. 

If you would like to learn more about auto insurance for your teenager, as well as other types of insurance, such as health, please contact Colling Insurance Services serving the Lakewood, CO area. 

Can I Deduct My Auto Insurance from My Taxes?

This common question is one that most people in Lakewood, CO forget to ask until tax time rolls around. In honor of being prepared though, Colling Insurance Services Inc. wants you to get everything together before April 15. The more you know about how auto insurance is seen by the government, the more you may end up getting back in a refund. 

How It Usually Works

Your auto insurance, just like your actual auto and its various expenses, is usually not eligible as a deduction from your taxes. Technically, these are expenses that the owner has willingly chosen for themselves, and thus don’t need to be accounted for when the government is trying to decide who gets what. 

The Exception to the Rule 

The exception to this rule is if you use a vehicle for work. Normally if you use a vehicle provided by your company, your boss or the powers that be are the ones who take care of the paperwork when it comes to that vehicle. You just drive it and expense the gas or maintenance costs that have to be done. However, if you’re self-employed then you may be able to deduct your auto insurance from your taxes.

Find Out More

It can get a little complicated if you use your automobile for both work and personal use though. In the case where you use the car for both in Lakewood, CO, you’ll need to calculate just how much you use your car for work. If it’s about half the time, then you can deduct half of the total cost of your insurance. If it’s only a few times a year, it may not be worth claiming at all. For more details, call Colling Insurance Services Inc. to find out more!

How Much Will Getting A Tow Affect Your Insurance?,

If your car has ever broken down in Lakewood, CO and you’ve gotten a tow, you may be wondering if it affects your insurance. This is an understandable concern and one that we at Colling Insurance Services, Inc. take very seriously. In this article, we’ll take a look at how towing affects your premiums.

Getting A Few Tows Is Not A Problem

If you get one or two tows in a year, you’re not likely looking at increased insurance premiums. Most insurance companies are forgiving here and understand that things can happen from time to time. So don’t be afraid to claim an occasional tow on your insurance when necessary. That said, you need to make sure you don’t over do it.

Too Many Tows Can Affect Your Insurance

If you’ve ever heard of somebody’s insurance increasing because of tows, it is probably because they made too many claims. As mentioned above, one or two tows isn’t going to be a problem. An excessive number of tows (think five or six) will alert the insurance company that there is something wrong with your car. As a result, they will raise your premiums.

Illegal Actions Are The Biggest Problem Here

While getting your car towed too many times due to mechanical problems will eventually affect your insurance, tows because of illegal activity will increase it right away. What kind of illegal activities lead to tows?

Parking in a tow zone, failure to pay parking tickets, parking next to a fire hydrant, driving with expired paperwork, or driving while intoxicated all count as illegal activities. Claiming these tows on your insurance will immediately affect your insurance heavily.

As you can see, towing doesn’t automatically or immediately affect your insurance. However, those in Lakewood, CO need to understand that the situations that lead to a tow can be Howevr, those in Lakewood CO need to understand that the situations that lead to a tow can be problematic for their insurance. Please contact us at Colling Insurance Services Inc. to get a better understanding of how to avoid this problem.

Top Driving Tips to Avoid Accidents

Driving in the Lakewood, CO area can be tricky at times, and it does not matter if you’re driving with passengers or alone, safe driving should always be on your mind.  In today’s world, there are more distractions when driving than ever before, so it’s critical to be aware of the top driving tips to avoid accidents. 

  • Keep your focus on driving at all times and do not be tempted into multi-tasking.  If you need to use your cell phone or other electronic devise, take a minute to pull over. 
  • Resist the temptation to speed because the faster you’re diving, the less reaction time you have and the increased chance of having a more severe accident.
  • Drive defensively by keeping your eye on what other drivers are doing and assume other drivers will do something unpredictable.  It helps you be prepared to avoid the situation.
  • Keep some space between you and the care in front of you.  A 2-second cushion if the weather is nice and at least 4-seconds if you’re in bad weather.
  • Plan ahead for heavy traffic and stops for gas, food, and calls, texts, or emails so you’re not rushing to your destination.  Take a few minutes to eat or manage business before getting back on the road.
  • Move items you need within easy reach and don’t attempt to retrieve items on the floor.
  • Avoid taking medication that may make you drowsy and pull over if you are extra tired.
  • Make sure everyone stays buckled up in a safety belt.
  • Be on the lookout for animals on the road.

Colling Insurance Services, Inc.

Colling Insurance Services, Inc. provides auto insurance to those in the Lakewood, CO area.  Our mission is to provide the auto insurance you need with honesty and integrity. 

Your Auto Insurance Might be Lacking, Here’s How to Check

Auto insurance is something that is absolutely necessary not only to protect you but to protect other drivers as well. It is important to make sure that your auto insurance policy has you covered fully before you ever set out to drive. For those in the Lakewood, CO area, the agents with Colling Insurance Services Inc. can help you to find the right coverage each and every time.

The first thing to keep in mind is that if you need to have the right coverage for the car that you are driving, if you have a loan out on the car for instance, you need a full coverage policy. Similarly, the area in which you live might dictate the need for more insurance. If you live in an area where there are a lot of car break ins, where you have to park on the street, or where there is damage done to cars often, you might need more coverage.

Also, you need to keep in mind who is going to be driving that you are going to insure on your policy. Young males require a larger insurance coverage and those under the age of 25 also are going to require more insurance. It is important to also remember that adding things to your car like upgraded stereos, televisions and more can all increase the amount of insurance coverage you need to be fully covered. You may also need to adjust coverage from time to time and a great agent can help you do that easily.

With the right agent you can get the perfect coverage for you every time. For those in the Lakewood, CO area, the agents with Colling Insurance Services Inc. can help you find the policy that fits your needs.  

Colling Insurance Services.: Auto Insurance

Most Ameircan’s own a car. We need it to take our kids to preschool, run errands, and go to work. Cars can cause stress. They’re expensive, they break down, and they can’t always be relied on when you need them most. Automobiles cause anxiety, but automobile insurance doesn’t have to. If you live near Lakewood, CO, visit Colling Insurance Services, Inc. for a fair, affordable quote. 

Automobile insurance is critical if we find ourselves in accident, whether or not we’re to blame. We need policies to payout damages we couldn’t otherwise afford. But, why else do we need insurance? Sure, some situations are obvious. You want to make sure you’re car is protected from the crazy drivers on the interstate. You want to be able to fix your bumper when that distracted driver smashes into your bumper. You also need insurance for less expected disasters, like hail storms, tornadoes, floods, and fires. 

So, if you didn’t know already, now hopefully it’s clear that auto insurance is important. This leads us to another question: why should I work with Colling Insurance Services? When you’re in the market for car insurance, you can’t trust any company. Colling is a reliable, trustworthy provider. Serving the Denver and Lakewood, CO area, Colling prides itself on its customer service, attention to detail, and their adherence to their clients’ budget concerns. Call Colling today and see for yourself. Our staff will work with you from day one to find the appropriate coverage for you, your family, and your vehicle. Don’t hestitate. Call Colling Insurance Services and see why more and more people choose them over the competition. 


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.

Do You Need To Insure A Car You Can’t Drive?

So here’s something worth considering: If you own a car, but you can’t drive it for one reason or another, do you need to insure it? If you’re still doing repair work on it, if your driver’s license isn’t valid, if you need to get new tags before you can get behind the wheel, do you really need insurance?

The short answer is that, legally speaking, you’re only required to carry insurance if you’re going to be out on the road. Nobody’s going to come repo your car if they find out you’re uninsured. You’re not going to go to jail or paying any fines for being an uninsured driver if you’re not even a driver.

But, there are all sorts of risks that come with being uninsured besides getting in trouble with the law over it, and without insurance, those problems are yours and yours alone to worry about.

If a tree gets hit by lightning and falls on your car, if vandals decide to practice their painting skills on your auto, or if someone steals it, you’re left holding the bill for the loss. This is maybe not a big deal if we’re talking about a $500 used car that you’re using for spare parts, but if it’s a car that you are planning on driving again one day, then you need to consider whether or not it’s worth the risk of going with a policy from a provider like Colling Insurance Services Inc.

In any event, insuring a car that you’re not driving can be less expensive than covering a car that you are driving. Ask your provider about a storage protection plan, or just getting "comprehensive only" insurance.