Tag Archives: auto insurance

What Parents Need to Know About Auto Insurance in Lakewood, CO

If you have a teen driver in the home in Lakewood, CO, understanding the minimum amount of coverage required for them while driving is vital. Knowing the auto insurance requirements for teenagers in Lakewood can prevent unnecessary financial stress and losses. At Colling Insurance Services Inc., we’re here to help you determine which policy solutions are right for you and your household.

Minimum Requirements

Anytime you have a teenage driver at your home in Colorado, you’ll need to meet the minimum insurance requirements, including:

  • Bodily Injury: Bodily injury coverage in Colorado includes $25,000 per person and $50,000 per accident.
  • Property Damage: The minimum property damage requirements in the state are $15,000 per accident.
  • Medical Coverage: Coverage for medical payments includes at least $5,000 in coverage.

Properly Insuring Your Teen Driver

Insuring your teen driver is best achieved by adding them to an existing family policy. This is the most cost-effective option and will lock in coverage. In most cases, this will also reduce the rates for teen drivers. Keep in mind that Colorado requires teens with driving permits to be added to a policy that already exists in the home.

Reducing potential rates is possible by encouraging good grades (which can result in student discounts) and enrolling your teen in a defensive driving course. Telematics apps can also reward safe driving habits.

If you’re ready to add your teen to an existing insurance policy or want to learn more about insurance options in Lakewood, Colorado, we’re here to help. At Colling Insurance Services Inc., we’re ready to help you protect the teen drivers in your home with a quality and affordable insurance policy. To learn more, don’t hesitate to get in touch with us directly to schedule your initial consultation and receive a quote today.

Everything You Need to Know About Car Fires

Car fires are more prevalent than you might think, with over 100,000 incidents reported yearly. These fires can cause significant damage and pose serious safety risks. Therefore, it’s crucial to understand their causes, prevention methods, and what to do if one occurs. At Colling Insurance Services Inc. in Lakewood, CO, we’re here to help you stay informed and protected.

What Causes a Car Fire?

Car fires can originate from several sources, but mechanical and electrical issues are among the most common. Faulty wiring, overheating engines, and fluid leaks are all potential fire hazards. Fuel system leaks are particularly dangerous, as gasoline is highly flammable. Collisions can also lead to fires, especially if the impact damages the fuel tank or electrical system. Even something as simple as improperly stored flammable materials in your car can ignite a fire under the right conditions.

Preventing Car Fires

Regular vehicle maintenance is the key to prevention. Promptly address warning signs like unusual smells, smoke, or fluid pooling under your car. Always respond to dashboard warning lights immediately, as they may indicate a problem. Avoid overloading electrical systems with aftermarket installations unless a professional does them. Keeping your car clean and free of unnecessary flammable items can also reduce risks.

What to Do if a Fire Breaks Out

If your car catches fire, pull over safely, turn off the engine, and evacuate everyone immediately. Move far away from the vehicle and call emergency services. Never attempt to extinguish the fire yourself—your safety is paramount.

At Colling Insurance Services Inc. in Lakewood, CO, we’re committed to helping you stay protected. Contact us today to review your auto insurance policy and ensure you’re covered for unexpected events like car fires.