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Colorado Insurance Blog

Why You Need Auto Insurance

In the most simple sense, auto insurance is essentially just smart planning.  This planning can end up saving you from surprises that can be expensive and even sometimes devastating.

When you consider your complete financial plan, auto insurance needs to be a part of it.  It is actually a very powerful tool that can assist with:

  • Safeguarding the investment that you have made in your vehicle
  • Paying for any medical bills incurred by a vehicular accident
  • Shielding you from expensive damages that can be the result of a lawsuit related to an accident
  • Guarding your valuable assets that you have worked so diligently to collect.  These can include things like bonds or stock investments, retirement funds, and even your home.
  • Protecting you from under insured or even uninsured motorists
  • Paying for damages and repairs that can be caused by natural disasters, vandalism and/or theft
  • Strengthening your overall peace of mind…each and every time you hit the road.

It is important to remember that not all of the auto insurance policies out there, and carriers of insurance for that matter, are created equally.  You need to ensure that you have a complete understanding of your specific policy.  This includes knowing what exactly needs to be protected and how each option of your policy covers it, or doesn’t.

AFI Insurance, in Denver, CO can actually assist you in targeting the level of insurance coverage that will best suit your needs.  They can also reveal savings and discounts that can be quite valuable while also pinpointing the requirements in Colorado.  They can also help you by letting you know what other people are covering.  As soon as you get the chance, you should call or come by to make sure that you have the coverage you need right when you need it.


The Basics of Auto Insurance

Auto insurance, especially if it is something that you are not used to looking at on a regular basis, can be very complicated. It is easy to fall into a trap and end up paying too much for insurance you do not need. Instead of guessing when you are looking at auto insurance, it is important to learn the basics. These tips from AFI Insurance serving Denver, CO, can help you prepare for your auto insurance search.

  • Not all auto insurance policies are created equally. When you are in the market for an auto insurance policy, you may find a lot of varying policies and prices from various companies. It is important, however, to keep in mind that not all polices are the same. Different companies have different reputations and the makeup of the policy can differ vastly.
  • It may be required by state law to have auto insurance. Auto insurance is something that you cannot avoid in some states. There are many states that set forth a minimum coverage amount in order for you to operate a vehicle that you own. It is important to know what these minimums are so you find a policy that meets these requirements.
  • A low price is not usually a good thing. If you are comparing policies and find that one price is substantially lower, it is often because the company offers insurance that is cut rate and has many gaps in coverage. You should examine these policies carefully before you sign up for them because you could end up with insurance that does not meet your needs or a company that will not help you.

If you are in the market for auto insurance or you would like to get some quotes, be sure to contact AFI Insurance serving Denver, CO.



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