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Colorado Insurance Blog

What to Look For When Selecting a Home Insurance Agent

There are many benefits to selecting the right home insurance agent for your home insurance needs. The right agent can ensure that your home and valuables are fully protected, that you are not paying more than you should for coverage and be there to help when you have to file a claim. But you may find yourself wondering what to look for when selecting an agent to help you find the right one for you. Here are a few factors to pay close attention to.

The Experience of the Agent

One of the key factors to consider when selecting a home insurance agent is how much experience the agent has. An experienced agent can guide you to the right coverage amounts and insurance companies.

How Easy the Agent is to Reach When Calling

Another factor to consider when selecting a home insurance agent is how easy the agent was to talk to when you called. If you had to leave message after message and wait days to get a phone call back, you may find yourself in the same situation if you need to file a claim. You want a responsive agent.

What Insurance Companies the Agent Works With

Lastly, consider what insurance companies the agent works with when selecting one. Some work with multiple companies, while other agents work only with one company. An agent that works with multiple insurance companies can help you find the best policy among a variety of carriers.

Are you looking to start a new home insurance policy? Or are you looking for a new agent to work with? Then contact AFI Insurance, serving the greater Denver, CO area. Our agents are friendly, warm and knowledgeable. Contact us now to find out how we can help you get the right policy for you.

What is A High Risk Driver?

Auto insurance can be confusing, but for those in the Denver, CO area, the agents with AFI Insurance can help make understanding a bit easier. One term that we often hear that might still be a bit foggy is a high-risk driver. So what is a high-risk driver?

In layman’s terms, a high-risk driver is anyone that is likely to be in an accident and therefore likely to cause a claim and to cost the insurance company money. This means someone that has a poor driving record, and that has had multiple claims and accidents, even those that have been unreported. Another high-risk factor is being under the age of 25. This is because younger drivers have less experience and are therefore more likely in the eyes of the insurance agency to get into an accident.

Being a male is also a high-risk factor because studies have shown that more males are involved in accidents than females. Another high-risk factor is being over a certain age as well. Older drivers have a harder time seeing other drivers, being able to follow traffic rules and more. No matter what your high-risk factor is, there are ways that you can counter these premium rises. Having a driver over the age of 50 can help to reduce premiums, being married can help, having a job, having a house, and having a reason to avoid accidents essentially can help reduce premiums.

Your agent can also look for discounts that you may be eligible for to help reduce and counter your high-risk drivers. If you live in the Denver, CO are, the agents with AFI Insurance can help you figure out what policy is going to work best for you and which are not.  



Partner Carriers

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