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Colorado Insurance Blog

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”

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”

5 Real-Life Insurance Claims

Many agents will give you the same generic scenarios when discussing liability limits. Or worse, they won’t talk to you about the importance of liability coverage at all, or how an Umbrella Policy could really help.

It’s hard to imagine being responsible for hundreds of thousands of dollars in damages. Especially if you don’t see insurance claims on a daily basis.

We wanted to give you some actual examples of claims that have been filed through our agency in the past few years. These are just a few examples that show why it’s dangerous to have low liability limits. You may save a few dollars a month, or even a few hundred a year, but you could be on the hook for tens of thousands after a claim.

Here are 5 actual claims that have been filed through our agency:

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Leasing a Car: What You Need to Know

Is it better to lease a car or buy one?

Whether or not to lease a car can often be a very polarizing topic. Some people swear by it while others are strongly against it.

That makes it difficult to decipher the pros and cons of leasing a vehicle. Like many financial decisions, the right answer depends on the person and their situation. Details like price, terms, driving record, and insurance history can all play a role.

Misinformation and common assumptions add to the confusion. But leasing a car makes sense for a lot of people.

The best way to decide if leasing a car is right for you is to weigh the pros and cons. It’s also important to understand how leasing a car works and what tips might help you get the best deal.

Here are some of the details you might consider:

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Insurance Score: What Is It And Why Does It Matter?

What is an insurance score?

An insurance score is how insurance companies rate for the likelihood that a policyholder will file a claim. Each insurance company uses slightly different formulas to calculate an insurance score. That’s one reason why your rate is not the same with each insurance carrier.

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10 Insurance Terms Everyone Should Know

When it comes to insurance, there are many confusing terms. Here is a list of 10 common insurance terms that it’s important for everyone to know.

1. Deductible

Your deductible is the amount you have to pay before your insurance company will payout for a claim.  The insurance company will generally subtract the deductible from the total payout.


You file a claim for roof damage. Your deductible is $2,500 and the roof replacement will cost $10,000. The insurance company will pay $7,500, are responsible for the remaining $2,500.

Continue reading “10 Insurance Terms Everyone Should Know”

Save Money by Bundling Your Home and Car Insurance

What are the benefits of bundling?

Until recently, there were countless options available for homeowners insurance in Colorado. In the past few years many carriers applied stricter underwriting guidelines. We have even seen some completely pulling their business out of the state of Colorado. Many carriers won’t write a home policy unless the car and home insurance are bundled.

Catastrophic hailstorms cause significant damage and cost a lot of money. That makes home insurance a huge risk for insurance companies in Colorado. 

Insurance carriers in Colorado have been in the negative (losing money) for years now. As a result, there are very limited options when it comes to a “standalone” home policy.

There are more options available when you bundle.

Continue reading “Save Money by Bundling Your Home and Car Insurance”

Should You Keep Your Motorcycle or Boat Insured in the Off-Season?

Do I really need to insure my motorcycle in the winter?

It may seem like a good idea to cancel your motorcycle policy in the off-season, but it could cost you more in the long run. The same goes for boat, ATV, motorhome and snowmobile policies.

Most people only think about the risk they face while riding or boating. But there are plenty of things that can happen while your toy in storage.

If you insure your recreational vehicles year-round, you’ll be protected if something happens. Even in the off-season.  

Claims that could occur while a boat, ATV, snowmobile, or motorcycle is in storage:

Continue reading “Should You Keep Your Motorcycle or Boat Insured in the Off-Season?”

Car Insurance FAQs

Sometimes a car insurance policy looks like it’s in a foreign language. And that’s just looking at the declarations page. If you try to read the actual policy to get the answers to your questions, it’s like reading gibberish. Here are some common car insurance questions answered by a licensed insurance agent.

If you don’t see your question answered, give us a call. We will gladly answer any questions you have, we’re here to help!

What can I do to lower my car insurance rates?

There are several ways you can lower your rates, but I don’t recommend lowering your coverage to save a few bucks.

One option is to increase your Comprehensive and Collision deductibles. You can also ask your agent if you’re getting all the discounts available. Another way to lower your premium is to enroll in a telematics program through your carrier.

The best long term way to get lower rates is to drive safely. A clean driving record without any accidents will get you the best rate.

Am I covered if I rent a car?

Continue reading “Car Insurance FAQs”

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