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Colorado Insurance Blog

Can A Learner’s Permit Be Added To Car Insurance?

Denver, Colorado offers a number of benefits to residents. While property values can be higher than elsewhere in the state, the homes have mountainous landscapes which can be breathtaking. There are also many museums and galleries to visit and a number of events held throughout the city all year long.

When you have a learners permit, it is important that you obtain car insurance. You will be on the roads and therefore need coverage in the event there is an accident. Since you are labelled as a student driver, it is a good idea to have your permit added to the existing policy of a parent or guardian.

If you are this parent or guardian, insurance agents can help to ensure the permit is added without increasing the cost of your policy in Denver too dramatically. Discounts and other options can be explored so you don’t have to pay a fortune.

It is not just enough to have the car that is being driven insured. The person with the learner’s permit has to be added and this is because they will be behind the wheel on occasion. If you have a permit, the insurance company is taking on more liability with you on the road and this is why policies generally go up.

A car insurance policy may be more affordable in Denver than you think. It’s possible to contact multiple companies to provide a cost for insurance. Coverage can vary as well and you will want to have as much coverage as possible so you’re protected.

Call one of our agents today so we can help you find affordable car insurance in Colorado. We can add a permit, get quotes, and generally help you build and buy a policy that works for you and your budget.

Do Green Cars Reduce Your Business Insurance?

The Mile High City of Denver, Colorado 80212 is a great place to call home. There are many things to do, including visiting the US Mint, where money is actually made. For business owners, getting around, it is costly in a bigger car, so adding fuel efficient cars to their fleets is a big deal to save on costs. Although fleet managers save money on fuel when they purchase smaller vehicles for their fleet, what affect does green cars have on a company’s insurance costs?

Green Cars and Insurance

Green cars are cars that are more fuel efficient. They are typically hybrid cars that use a combination of gas and battery or electric to operate. Many fleet managers are purchasing these cars because they can save tremendously at the pump and they like the idea that they are reducing their carbon footprint, but they don’t save you on the cost of your insurance. In fact, with very small cars, the cost of insurance is more.

Small Cars Have High Insurance Premiums

Small cars cost more to insure because they present a few risks to the insurance company. For most insurance companies, the fact that they are so small presents the most risk. Individuals in an accident in smaller cars sustain the most damage. For your business that means that it would cost more insurance dollars to make you whole if you or your employees are in an accident.

Coupling the fact that commercial insurance is higher because businesses travel during peak driving times of the day, with the fact that smaller cars are less durable, and you have the potential to experience major losses. The best vehicle to save money on gas and insurance premiums are minivans because they are durable and they consume less gas when traveling around.

Before you decide on the next car to purchase for your fleet it is important to speak to licensed insurance agents. They can provide commercial insurance quotes to ensure that your business is getting the best value when it comes to insurance.



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