Winter Driving Conditions That May Impact Your Auto Insurance

winter driving conditions

Centennial State Insurance Agency serves the Bailey, CO community through helping residents find policies to protect their families. As an independent agency, we offer our clients multiple coverage options so that they can make the best choice for their families. We look forward to serving you.

Winter Driving Conditions to Consider with Your Auto Insurance

As you travel through Bailey, CO, and other parts of the region, auto insurance will cover you. The policy protects your vehicle if it is damaged due to a collision or if your vehicle is stolen or vandalized. Liability coverage is an asset, as you will be protected if you are involved in a collision and you may be held liable for the damage. Liability coverage is especially important during the winter when driving becomes more dangerous. Here are some variables to consider concerning winter driving conditions.

Ice & Poor Visibility

Icy conditions during the winter help increase the risk of collision. You will also have to deal with poor visibility at times. Make sure that you drive a little slower during the winter in order to make sure that you have time to adjust to the conditions.

Storage

When you aren’t driving your vehicle, consider adding storage coverage. Storage coverage will protect your vehicle if inclement weather causes damaged to your vehicle. Falling snow could possibly leak into your storage unit and cause damage to your vehicle. You also have to be aware of falling tree branches causing potential damage to your vehicle.

Emergency Towing or a Tire Change

Consider amending your policy to include roadside assistance so that you will be covered if you need emergency towing or a tire change. Also, uninsured motorist coverage is another potential asset during the winter. The policy covers you if you are involved in a collision and the other party does not have coverage.

Consult With Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Bailey, CO or the greater Colorado area, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt, and you are properly taken care of. 

According to insurance agent Savannah Martin at Centennial State Insurance Agency:

“We understand the unique needs of those located in mountainous areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”

Contact us to compare quotes and properly insure your home, property, and automobile today!

Colorado Car Insurance: Does It Cover Me or My Car?

colorado car insurance

When you buy car insurance you may wonder what exactly is covered. You know the kinds of coverage you have chosen. In Colorado, you need to carry liability insurance and then you can choose additional amounts of coverage in the form of collision and comprehensive. But do you know if you are covered if you drive your friend’s car? Is your friend covered if they drive your car? Very good questions. If you have Centennial State Insurance Agency in Bailey, CO you will have an experienced team on your side to answer any questions you may have. 

Let’s face it, you will probably not be the only person who ever drives your car. Chances are a family member or a friend at some point will use your vehicle. What if they have an accident?

Colorado Car Insurance Explained

In the state of Colorado, the insurance follows the car. That means the coverage you have on your vehicle, is always there no matter who is driving. You are the primary coverage which means it is also your premium that will rise if your insurance has to pay a claim and you who will owe any deductible. This is only the case if the person has your permission to drive your car. If they have insurance and no permission their insurance is primary. 

If someone is a regular user of your vehicle it is a good idea to list them on your policy as a driver. In Colorado, you can also exclude people from your insurance due to a poor driving record or other reasons. 

Secure Your Insurance Today with Centennial State Insurance Agency

Car insurance is important coverage and making sure you have an agent you trust gives you peace of mind. At Centennial State Insurance Agency in Bailey, CO, we are an independent agency and offer our customer choices when it comes to carriers. Give us a call to set up an appointment for a no-obligation quote. 

When Does Someone Need an Auto Insurance Policy?

auto insurance policy

If you are in the Bailey, CO area, owning a car is usually a necessity. Not only will this help you to get around town, but it will also give you a convenient way to get out and see all that the state of Colorado has to offer. When you do own a car here, it is also a good idea to get auto insurance. There are several situations when someone here will need to have an auto insurance policy.

Auto Insurance Policy: When Does Someone Need One?

When Taking out a Loan

One situation when you will need to get an auto insurance policy is when you are going to take out an auto loan. If you do take out an auto loan, it is important that you continue to comply with all of your lender’s guidelines. This will almost always mean you have to carry a policy with a full collision and comprehensive insurance coverage. 

When Driving on Public Roads

Another situation when you will need to have an auto insurance policy is when you are driving on a public road. Those that want to drive their car in public in Colorado need to comply with the state minimum requirements that govern auto insurance. This will require that you have liability insurance, which ensures you are able to pay for damages caused in an accident.

Begin Your Auto Insurance Policy Today with Centennial State Insurance Agency

Picking a new auto insurance policy is always a big decision. When you are searching for a new policy in the Bailey, CO area, you should call the team at Centennial State Insurance Agency.

When you work with Centennial State Insurance Agency to pick an auto insurance policy, you will receive a lot of support that can help you to choose a policy that is right for you based on your needs and situation. 

Contact us to compare quotes and properly insure your automobile today!

Do Disabled Drivers Need Special Auto Insurance?

Do Disabled Drivers Need Special Auto Insurance?

When it comes to finding the right insurance, each individual may face certain challenges. This is especially true when seeking auto insurance for disabled drivers. Disability can range from mild to situations where there is a need for special equipment that needs to be insured. 

Are you curious about any special modifications regarding insurance for disabled drivers? In the content below, we discuss special driver disability insurance modifications and explore how to find the right policy for you.

Special Disability Modifications for Vehicles

In instances where a vehicle needs to be modified to accommodate a handicapped driver, there may be a need for special coverage to include modifications and extra essential equipment such as loading ramps and lifts. If anyone who is currently searching for auto insurance has questions about coverage for people with disabilities, they should reach out to an experienced insurance agent to get answers to their questions as well as find currently available options. 

Finding the Right Auto Insurance for Disabled Drivers

In special situations, it helps to have a professional insurance agency to help you work through issues and find policies that match current needs. The agents at Centennial State Insurance Agency, serving Bailey, CO, are committed to helping those with special situations and disabilities find the coverage options they need to feel secure day and night.

Shopping for special auto insurance doesn’t have to be confusing. Get assistance from agents that have insight and experiences to make the process quick and easy without having to guess about the terms and conditions or worry about gaps in coverage.

Anyone who has a disability and is currently looking for high-quality insurance products to give them peace of mind, should call or stop by Centennial State Insurance Agency, proudly serving Bailey, CO, to find out more about how to protect their vehicle and find insurance that gives them confidence. 

What You Need to Know About Auto Insurance

Making sure your car’s insured is important because cars can be big investments. You also want to have your vehicle protected since you need it to get to and from work, school, and other places. But what do you really need to know about car insurance? How can you choose the right policy for your needs? At Centennial State Insurance Agency, we can help ensure you have proper coverage for your Bailey, CO or Flagstaff, AZ area vehicle. Here are a few things you should consider about your car insurance.

Auto insurance is required in Colorado and Arizona and there are limits you have to have to comply with state laws. While you don’t need to have collision or comprehensive coverage to be in compliance with the law, you do need to have basic coverage. Still, it’s a good idea to have more than just state minimums, since accidents and other problems can often put a strain on you. The more protection you have, the more peace of mind you’ll have, as well. If you aren’t sure what coverage you should have, or what you need to feel protected and safe, talking to a trusted agent can help with that.

At Centennial State Insurance Agency, we service the Bailey, CO and Flagstaff, AZ area. Come in and talk to us, give us a call, or reach out online, and let us work with you to get the right auto insurance policy for your needs. You should know about the coverage options and requirements, so you can make an informed choice. We’ll do our best to give you all the information you need, and that way you’ll have the opportunity to get a policy that’s truly going to be right for you. That’s a great way to know your car will be properly covered.

Safe Driving Tips for a Colorado Road Trip

With summer right around the corner, there’s no time like the present to prepare for your upcoming road trip. The following safe driving tips from Centennial State Insurance Agency in Bailey, CO can help you have a safer, more enjoyable journey.

Service Your Vehicle

Service your vehicle to make sure it’s safe for hitting the road. Ask your mechanic to give it a thorough inspection to include checking the tires, brakes, fluids, wipers, and lights. Get an oil change if needed and check your spare tire to ensure it’s in good shape.

Take Frequent Breaks

If you get tired while driving, take a break. Driving when drowsy increases your risk of accidents. Pull over and rest from time to time to stay alert or switch off on drivers if you’re traveling with companions who can help carry this load.

Map Out Your Trip

Map out your journey so you can enjoy it to the full and avoid getting lost. Keep your GPS handy and have written directions as a backup to keep you on course. If you decide to deviate for food or pleasure, having a mapped out route will make it easier to get back on course when your detour is done.

Pack an Emergency Kit

Pack a car emergency kit to handle emergencies that may occur on the road. Your kit should have such basics as a cell phone with mobile charger, first aid supplies, drinking water, fire extinguisher, flares, tire sealant, jumper cables, flashlight and simple tools to work with for minor repairs.

Update Your Auto Insurance

Make sure your auto insurance is up to date to protect you on the road. Contact Centennial State Insurance Agency in Bailey, CO today for the auto insurance protection you need to enjoy your Colorado road trip to the full.

What Is Uninsured Motorist Coverage?

When it comes to choosing an insurance policy in Bailey, CO, you’re undoubtedly faced with a number of potential plans. But because the coverage options are filled with all kinds of technical jargon, few people will read through their whole policy.

Many people choose based off of the price. Others choose based on the minimum requirement they’re supposed to have. (For example, a car owner with a lease or a loan will be required to have more car insurance than someone who owns their car outright.) Centennial State Insurance Agency wants you to understand more about how uninsured motorist coverage works — whether you’re required to have it or not.

Uninsured Motorist Coverage 

Drivers on the road in Colorado are required to have some type of auto insurance. In the event they cause an accident, this insurance will cover property damage and bodily injury to the victims. But not everyone follows the rules on the road. Uninsured motorist coverage provides you with financial compensation in case someone without insurance causes an accident. (You are technically allowed to sue in a case like this, but it’s not always possible to recoup the money from the at-fault driver.)

Potential Perils

The people of Bailey, CO need to know what they’re signing up for. Shortcuts may be helpful when it comes to deciding between a dozen different policies, but they don’t allow drivers to dive into the nuances behind the clauses within the policy. Ultimately, this can lead people to make assumptions about their coverage that isn’t true.

If you want to learn more about uninsured motorist coverage, give Centennial State Insurance Agency a call today. We’re here to explain the differences between policies and give you more information about the smartest option you can choose for you and your vehicle.

What Are My Auto Insurance Requirements?

auto insurance requirements

Driving a car is a responsibility and necessity for many people. Most people have a variety of different requirements that they need to take into consideration when they are choosing a new auto insurance policy. If you drive a vehicle in the state of Colorado, it is crucial that you understand what your insurance requirements are. Below, we explore auto insurance requirements in the state and for the lender.

Auto Insurance Requirements in Colorado

Like most other states, Colorado will require that you always carry the minimum liability insurance. Therefore, to drive legally in the state of Colorado, your insurance policy must carry at least $15,000 worth of property damage coverage. Additionally, you will also need to have bodily injury coverage of at least $50,000 per incident and $25,000 per person.

Lender Auto Insurance Requirements

While the state of Colorado will only require that you carry the minimum level of liability insurance, there are still other types of insurance that you may be required to have as per your vehicle lender. For example, if you happen to have a loan or a lease on your vehicle, the finance company will undoubtedly require that you carry collision and comprehensive insurance on the vehicle as well.

This type of insurance will provide you with far more types of coverages including theft, damage caused by a storm, or if you are involved in an auto accident with an uninsured driver. Furthermore, even if these additional coverages are not required by the state or your lender, it is still a good idea to acquire these types of insurance.

Secure the Right Auto Insurance with Centennial State Insurance Agency

When you are looking for a new auto insurance policy in the Bailey, CO area, our experts at Centennial State Insurance Agency are ready to help! As mountain insurance specialists, we understand what is takes to insure homes properly, making sure your home is rebuilt and you are properly taken care of. 

According to insurance agent Savannah Martin at Centennial State Insurance Agency:

“We understand the unique needs of those located in wildfire areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”

The Centennial State Insurance Agency will be able to help you figure out what type of coverage is right for your situation. We will then get you into a policy that provides you with reliable protection.

Contact our Bailey, CO office to compare quotes and properly insure your home, property, and automobile today!

What Happens If You Drive Without Auto Insurance?

While it is technically possible to drive your car without insurance for years, it is never a wise decision. We, at Centennial State Insurance Agency, have helped residents of Bailey, CO, and the surrounding area avoid this danger by providing them with fair and high-quality insurance. If you or someone you love is somehow driving without insurance, they are likely putting themselves at risk for nothing.

Penalties Will Vary

Driving in any state without insurance is a major mistake because you will experience some pretty stiff penalties. The exact penalty will vary depending on where you live. You can expect to get at least two tickets (one for the lack of insurance and one for the reason you were pulled over) and you may even lose your license or vehicle registration.

In this situation, you’ll not be able to drive and nobody else will be able to drive your vehicle as well. While you can obviously get both of these items back after your suspension is over, it will be a major challenge to get through your day-to-day life without them.

And if you cause an accident or injure somebody, you are going to be sued and may lose some of your assets, such as a car or even a house. Beyond that, you’ll have to get an SR-22, which is a paper saying that you can get insurance. Qualifying for one of these is a difficult and strenuous process.

Your Insurance Rises

Even worse, insurance companies will usually have no choice but to increase your premiums as a result. Therefore, it is critical for you or anyone else who lives in Bailey, CO or the surrounding area to just buckle down and buy auto insurance. It just isn’t worth the risk you take every time you get behind the wheel.

Contact the offices of Centennial State Insurance Agency for more information and a quote.

Auto Insurance Premiums-How to Save Money

Below are some suggestions from Centennial State Insurance Agency.

There are ways for you to lower your insurance premium without lowering limits and protection.

First, what are your deductibles? Do you have an older vehicle where the deductible you are carrying is equal to greater than the value of the vehicle? If this is the case, you may not get anything from the insurance company if the vehicle is damaged or totaled. Can you raise your deductible? Can you afford more out of pocket if the vehicle is damaged? If so raising your deductible will lower your premium.

Policy discounts:

Are you getting all the discounts that you qualify for? Some of the more common ones that can impact your rate:

Good Student discount: Your teen driver will need a GPA of 3.0 or better but an important discount.

Defensive Driving discount: Most companies will offer this to teens drivers that have completed a certified class, and some will offer it to older drivers.
Multi Policy discount: Companies will offer a discount to both the home and auto for placing both lines of business with them You can a discount from 10% to 20% on both your home and auto by doing this.

Telematics: This is a new program being offered by insurance companies. You plug a device into your car for 90 days and they track your driving habits (speed, braking, time of day driving to name a few). At the end of the 90 days they evaluate the date and offer an additional discount. We have seen these range between 5% and 20%.

Annual miles driven: It is important to give the accurate miles you drive a vehicle. Companies will offer lower rates for fewer miles driven. They will often verify the miles each year so be accurate.

Pay plans: Companies will give you a discount for paying your premium in full. They will also give discounts on monthly pay plans if you set it up on EFT or credit cards with some companies.

Give us a call at Centennial State Insurance to review your insurance policies and coverages. We will make sure you have the right coverages for the right premium.

303-838-0554 or on the web at centennialstateins.com.