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Colorado Insurance Blog

Telematics: Pros and Cons of Driver Monitoring

In an ideal world, safe drivers would pay less for their car insurance and riskier drivers would pay more. Telematics programs help insurance companies work towards that goal.

When drivers take part in telematics programs, they get real-time feedback about their driving habits. The programs generally last at least 90 days, sometimes longer. That gives drivers an opportunity to correct their bad habits and earn a better rate.

As insurance companies get data from the driver’s habits, they can adjust the rate accordingly.

More and more insurance carriers are offering telematics programs to help customize auto rates. These programs vary by carrier, but they will generally monitor your driving one of two ways. They will use either a device that you plug into your vehicle or a mobile app on your phone.

What driving behaviors are monitored by telematics?

Continue reading “Telematics: Pros and Cons of Driver Monitoring”

5 Steps to Take Before Your Teen Gets Licensed

If you’re the proud parent of a 14 or 15-year-old, you may be counting down the days until they get their license. Maybe you’re apprehensive about them driving, or you’re eager for them to have more independence (no more soccer practice drop-offs, finally!). Either way, it’s a huge milestone in your teen’s life, one that often comes with a hefty price tag.

When it comes to insuring your teen driver, it’s important to know when you have to add them to the policy. They usually don’t need to be rated when they only have their permit. As soon as they get their license, you’ll have to add them to the policy as a rated driver.

Adding a teen driver to your auto insurance will increase the cost of the policy, even if you don’t add an extra car. The simple truth is that teenagers pose an additional risk. Since insurance is all about rating for risk, that generally comes with a higher price.

Luckily, there are a few things you can do NOW to help lessen the financial blow.

Continue reading “5 Steps to Take Before Your Teen Gets Licensed”

3 Ways You Can Protect Yourself From Personal Injury Attorneys

If you watch TV or listen to the radio, chances are you’ve seen or heard a commercial from a personal injury attorney. You know the ones- “I called (name of law firm) and they got me $700,000!” The frequency of these commercials means you’re more likely to get sued if you are at-fault in an accident.

The fact of the matter is, there are people out there that see a big payday if they get in an accident. Insurance is there to pay your medical bills paid and get your vehicle fixed. When the injured party wants to pocket extra cash, it drives up rates for us all.

Read more about Colorado’s increasing rates in our blog 5 Reasons Insurance Rates Keep Increasing in Colorado.

If you’re at-fault in an accident your insurance company will only pay up to your liability limits. Anything beyond that is your responsibility. If you don’t have that money laying around, they can take your home or garnish your wages.

Here are 3 ways you can help protect your family and your financial future:

Continue reading “3 Ways You Can Protect Yourself From Personal Injury Attorneys”

What Dog Owners Need To Know About Home Insurance

Why do insurance companies care what breed my dog is?

Here at Integrity First, loving dogs is basically a requirement. We know that even the dog breeds that get a bad rep can be the sweetest dogs out there and would never hurt anyone. The insurance industry doesn’t hate dogs, but they use analytics to determine risks.

Many insurance carriers have restricted breed lists. If you have a dog that is on their list, you can’t get home insurance with that company. As unfair as that may seem, insurance is based on probability. Research shows that certain dog breeds inflict significant damage when they bite.

Why do certain dog breeds end up on most Aggressive or Restricted Breed lists?

Continue reading “What Dog Owners Need To Know About Home Insurance”

Do You Need Home Insurance in Colorado if You Don’t Have a Mortgage?

Most mortgage lenders in Colorado these days require homeowners to carry home insurance as part of their contracts. But what if you’ve paid off your home in full and don’t have a mortgage? Do you still need home insurance?

Here’s the short answer: legally, you do not need home insurance in Colorado, but there are many reasons why you’ll probably still want a policy. At Integrity First Insurance, we’re here to answer all your questions!

What Does Home Insurance Do?

While mortgage lenders may refer to home insurance as protecting their financial investment, it’s really about protecting yours as well. After all, you’ve already put a lot of time (and funds) into your home, and this goes tenfold if you’ve paid it off in full and don’t have an active mortgage. A good home insurance policy prevents you from having to pay for many potential damages to your property out of your own pocket, therefore making sure your investment is not wasted.

Does it Matter if I Live in an Urban or Rural Area?

Colorado is a very geographically diverse state, and our beautiful land is home to both rural and urban communities. Homes in both areas face different kinds of risks, and they are both still in need of home insurance as a result. Fortunately, insurance providers recognize this and offer different ranges of coverage options as a result.

How Do I Get a Policy?

When you’re ready to learn more about your home insurance coverage options, give us a call at Integrity First Insurance. We’re homeowners in Colorado ourselves, and we understand there’s no “one size fits all” policy. We’ll get to know you and your property, as well as any specific needs you have for coverage. Then, we’ll be able to present you with the policy options that fit best. Don’t wait to protect everything you’ve already invested into your home — reach out to us today!

Do I Need Uninsured Motorist Coverage If I Have Health Insurance?

Some of the most common questions I hear are: Do I really need Uninsured Motorist coverage? Isn’t that why I have health insurance? For me, the answer is simple. Yes, you do need it.

Hopefully you’ll never have to use it, but I wouldn’t take that risk. Sure, your health insurance may cover some of the costs if you’re injured in an accident. But you’ll still have out-of-pocket expenses.

Picture this:

You’re driving home from work and another driver runs a red light and smashes into your car. You’re taken to the hospital by ambulance where you undergo surgery for your lacerated liver and internal bleeding. Luckily, you’re alive and will make a full recovery.

Unfortunately, you’ll be in the hospital for a week and out of work for 3 weeks while you recover from your injuries.

Now what?

Continue reading “Do I Need Uninsured Motorist Coverage If I Have Health Insurance?”

How is Classic Car Insurance Different Than Regular Auto Insurance?

Most classic car insurance policies offer “agreed value” coverage. That means you and the insurance company would agree to insure your vehicle for a specific value. Then if there if there is a total loss to the vehicle, that is the amount the insurance company pays. This type of policy allows you to properly insure your classic car at the true market value.

Regular auto insurance policies cover your vehicle for the “actual cash value” at the time of the loss. The insured value of your vehicle depreciates as the vehicle ages. Because of that, normal car isn’t sufficient to cover the higher value of a classic car.

Benefits to classic car insurance over “regular” car insurance:

Continue reading “How is Classic Car Insurance Different Than Regular Auto Insurance?”

10 Ways to Save on Insurance Without Sacrificing Coverage

Raise your hand if you live in Colorado and your insurance premium increases every year. You can’t see me, but my hand is high in the air.

I work in the insurance industry, but that doesn’t make me immune to the same rate increases as everyone else. My policies have increased 4 years in a row.

To understand more about WHY the rates are increasing in Colorado, read our blog: 5 Reasons Insurance Rates Keep Increasing in Colorado.

We’re all in the same boat when it comes to increasing rates. I understand how overwhelming it can be to see 15-30% increases year after year. Especially when you haven’t filed a claim. If you’re anything like me, once you see that your rate has increased yet again, your first thought is to try to find a way to lower your rates.

Many agents will offer to lower your liability limits or remove coverage to save you some money. If you go that route, it’s important to understand what coverage you’re giving up and how it’ll impact you if you have a claim.

Continue reading “10 Ways to Save on Insurance Without Sacrificing Coverage”

If Your Tree Falls, Will Home Insurance Cover It?

When summer storms roll through, a lot of questions arise about what your policy will cover if a tree falls.

There are two main situations we get questions about: if a tree falls on your property, and if a tree falls on someone else’s property. Unfortunately, there isn’t one answer to both of those questions, so I’ll answer each separately.

Please keep in mind that all insurance policies are different. So while these answers are the norm, the coverage on your policy may be different.

My tree fell in my yard, will my policy pay to remove it?

Most home policies cover the reasonable cost to get a tree off a covered structure. The amount they’ll pay is still subject to applicable policy limits.

Continue reading “If Your Tree Falls, Will Home Insurance Cover It?”

5 Reasons Insurance Rates Keep Increasing in Colorado

Those of us lucky enough to live in Colorado know that the cost of living has skyrocketed in recent years. On Forbes’ list of the cities with the most significant cost of living increase, Colorado Springs ranked #1 and Denver was #16. 

The cost of housing, insurance, and even a gallon of milk has increased year after year. While I’m no expert on housing or milk prices, I can offer some insight on the rising insurance costs.

Here are 5 key reasons insurance rates keep rising in Colorado:

Continue reading “5 Reasons Insurance Rates Keep Increasing in Colorado”

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