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.
Before you select a commercial insurance policy in Bailey, CO, Centennial State Insurance Agency wants you to keep a few things in mind. Most businesses are required to have some type of coverage, but not every policy is created equal. These three tips can make it easier to decide if you’re coming down to the wire.
Selecting a Commercial Insurance Policy: 3 Things to Know
#1. Consider the Worst
Insurance is all about preparing for both the expected and unexpected. So if a snowstorm causes your roof to collapse, you don’t have to file for bankruptcy. Not every plan will cover certain things, so you need to think about how this will affect you.
For example, a standard-issue policy may help the vast majority of the expenses for a roof repair, but it may not cover the income you lost while you had to close up. To get that extra consideration, you would need to purchase more comprehensive coverage.
#2. Liability Concerns
Customers can sue for any number of reasons, and the legal fees from even a single case can be devastating for commercial business owners. Choosing a policy with a low amount of coverage can end up destroying a business from the inside out.
Some people will even go so far as to take out umbrella insurance policies that will give them additional coverage when the hit the limits of a normal policy.
#3. Having a Contact Matters
Who you choose to cover you is almost as important as the type of plan you purchase. If you have questions about the right options for you, call Centennial State Insurance Agency.
We help the business owners of Bailey, CO find coverage that will be of use to them when the tough times strike.
If you own a home, you know what a significant investment this represents. As a result, you need to ensure you protect it.
Regardless of the location or value of your home in Bailey, CO, using the services of Centennial State Insurance Agency can help make sure your home is protected accordingly. In the content below, we discuss three tips for buying home insurance and how to get it at an affordable price.
Buying Home Insurance in Bailey, CO: Our Top 3 Tips
Tip #1: Compare Quotes
One of the first things you should do when it is time to purchase homeowner’s insurance is to compare quotes from various service providers. Take some time to “see what’s out there.”
By doing this, you can compare offers line by line to find out which one offers the most value. Keep in mind, the insurance company with the most value isn’t always going to be the one with the lowest prices.
Tip #2: Bundle Policies
Do you have car or life insurance with an insurer already? If so, you should consider bundling your insurance with this company, too.
In many cases, by bundling all your polices with the same provider, you can save a significant amount of money. An added benefit of doing this is the fact that it’s much easier to keep track of everything and ensure it is paid on time month after month.
Tip #3: Work with a Reputable Agent
Perhaps the most important thing you can do when buying home insurance is to find a reputable agent. This person will help ensure you get the coverage you need for a price you can afford.
If you are ready to purchase homeowners insurance for your home in Bailey, CO, contact the team at Centennial State Insurance Agency to get started. We will help you get the policy you want at the right price.
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.
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.
Colorado insureds have seen their auto insurance rates increase significantly over the last 3 years and unfortunately, we are going to see it for at least the next 2 to 3 years.
What are the main reasons behind these rate increases? First, it has been the 5-year long cycle of catastrophic hail storms. Colorado saw the largest storm in state history in 2017, estimated at $2.3 billion. In addition to this storm, there has been several others that are in the top ten in dollar amounts of damage. Not only have these storms been in the Denver front range but we have seen damaging hail storms in Woodland Park, Jefferson, Bailey and Conifer. As result of these storms, Colorado is now the second leading filer of hail related claims in the country, behind Texas.
Second, is the increasing cost in bodily injury claims. These are claims that result from an injury in an auto accident. The one area we can all relate to that impacts these claims is the rapidly increasing cost of health care in the United States. In addition to this, the increase in litigation and legal expenses that come with these types of claims. These expenses are passed on to all of us.
Third, the increase in the population and the total miles driven in Colorado has led to an increase in the number of accidents. We have also seen an increase in the number of new vehicles being purchased. These vehicles come with all the innovative technology and the fancy bells and whistles we all love. Unfortunately, with this comes an increase in repair cost for these vehicles. Bumpers repaired on a 2006 for $500 – $1000 is going to be $1000 – $2000 for a 2017 vehicle. We are also seeing windshields in the $1000’s that were $200 – $500 to replace in the past. This is a result of the innovative technology in these windshields.
What can you do to help keep your increases down?
Make sure you are getting all the discounts you qualify for: Multi car, multi policy ( auto-home),and good student, if you have a teen driver. Companies such as Safeco, Travelers and Progressive are offering telematics programs. This is where you plug a device into your vehicle for 90 days. At the end of this time they can increase the discount based on the tracked driving habits. Companies also offer discounts for different pay plans, pay in full, EFT or credit card.
What can Centennial State Insurance do for you.
We will first make sure that you are properly insured in the event of a catastrophic hail storm or if you or a family member are involved in an accident. We want to make sure that you have the coverages to take care of your auto or home and that you have liability coverage to help protect your assets.
After reviewing your coverages and deciding on what is needed we will shop you with several different companies to make sure the rate matches the coverages. As an independent agency we have choices on the companies we can place you with.
Give us a call at Centennial State Insurance Agency to have us review your insurance needs and coverages. 303-838-0554, centennialstateins.com
Many across the state of Colorado are concerned with fire danger, and with good cause. This year’s fire season is already in full swing with several fires across the state. Being prepared for these life changing events can help make the process smoother.
In the content below, we discuss how you can best protect your property from incurring wildfire damages and also explore wildfire insurance options and considerations.
Preparing Your Property
There are many measures you can take before a fire. Mitigating trees on your property can reduce the risk of your home being a total loss. Remove trees close to the home, and thin trees on the property. Make sure that trees are trimmed and remove dead trees. Widen your driveway and create a turnaround area for fire trucks. The best steps you can take is to contact a mitigation company or your local fire department and have them come out to the home to make suggestions.
Clear Excessive Brush and Move Fuel Sources
You need to also clear brush 30 feet around your home. Rake pine needles, keep grass and weeds cut short to lower their fuel potential, remove any dead brush from under decks and take steps to close of the holes that allow dead brush to get under decks. Move any other fuel sources (gas cans, propane tanks, etc) away from the home. If you have a wood pile, make sure the pile is stored a safe distance from your home. Keep your gutters, chimney and roof clear of needles and leaves.
Help Make Your Home Wildfire Resistant
There are steps to make your home more fire resistant. Metal, clay or a non-combustible roofing material lowers your risk of the home catching fire from wind-blown embers, or crowning tree fires. You can also look into a less combustible siding material like brick, masonry, stone or hardboard.
Next time you replace your deck, look into trek or composite decking material. Upgrade your windows to double or triple pane, limit the number of windows and size of the windows that open to your largest area of vegetation.
Update Your Policy with Wildfire Insurance Coverage
It is a great idea to contact your insurance agent to talk about your individual risks and if you are insured adequately. Our lives change over time, and we don’t always remember to tell our insurance agents about the new floor we put in the home. It is best to do this before a fire starts. Once there is an active wildfire you can not change or issue an insurance policy, until the fire is over.
The first thing you want to go over with your insurance agent will be your dwelling value. Make sure that your agent knows about any upgrades you have made to the home.
Have you added an addition, or renovated the kitchen?
Did you replace the roof or siding on the home?
The details of your home may have changed since you originally bought the house. You need to make sure your insurance policy reflects these changes, and that your dwelling coverage will adequately replace the current condition of the home. Most insurance agents will use a replacement cost guide to input the information about your home and get an estimate of the cost to rebuild.
Also, make sure you have enough coverage for detached structures such as sheds, barns or garages. Most policies have some coverage for detached structures built into the policy, but it is important to ensure that you have enough.
With today’s technology it is a great idea to use your smart phone and take photos or videos of your personal property. Walk around your house, shed and garage. Document what is on your shelves, dressers, safes, drawers, closets and jewelry boxes. This not only helps to prove the type of item you had, but will also help you remember what you had in the junk drawer.
Most insurance companies have a built in limit for jewelry, fine arts, guns and collectibles. Consider the value of these items and talk to your agent about the built in limits and is scheduling these items would benefit you. When you schedule these items they are covered for the appraised value.
Special Motorized Vehicles
Many people are not aware that motorized vehicles are not covered on a homeowners policy. If you have a classic car, motorcycle, ATV, snowmobile, trailer, or motorized boat in your garage or barn, they will not be covered by the homeowners policy. Make sure that you have them covered under their own policy with at least comprehensive coverage on them.
Next week, we will have some tips on preparation for evacuation, and what to do during and after a fire.