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Colorado Insurance Blog

Four Things Your Car Needs Before the Winter Months

As cooler temperatures start to filter into the Colorado air, it’s time to do winter maintenance on your vehicle. Below are three things that you can’t forget this winter to avoid damage or unwanted events with your vehicle.

1. Add Your Snow Tires

As the weather cools off into fall temperatures, make an appointment for your snow tires. Snow can come sporadically in Colorado, so you want to ensure you’re prepared when traveling on roads with snow and ice. These tires have chains, and if you’re using tires from last year, make sure they are in good shape or purchase new ones for safety purposes.

2. Top Off Fluids

Once your oil is changed for the winter, it’s a good idea to check and fill all the fluids before it gets too cold. You want to ensure you have plenty of antifreeze to protect your engine and that your transmission fluid is full. Other fluids would be wiper fluid, braking fluid, and power steering fluid, all of which must be filled.

3. New Wipers

Because there will be a lot of moisture in the winter, ensure you have new wiper blades on your car. If you have a rear wiper, replace that one as well. You can get certain ones designed for colder weather and will not dull as quickly as others.

4. Inspect the Battery

You’re good to go if you’ve gotten a new battery in the last few months. However, if it’s been a few years since you’ve gotten a new battery, you should check it to see how the power is holding up. If it is getting weak, chances are the winter weather will take it out, so go ahead and have it changed.

If you’re in the Denver, CO area and looking for an auto insurance policy, contact AFI Insurance today for more information.

Know Your Policy Exclusions in Auto Insurance

Auto insurance policies have specific exclusions that define what incidents or circumstances the insurance company will not cover if you live in Denver, CO, or around the area. These exclusions are critical to know as they determine situations where you may not receive compensation despite having coverage.

Common Exclusions

Common auto insurance exclusions include intentional damage, such as accidents caused by reckless driving or driving under the influence. Policies also typically exclude regular wear and tear, mechanical failures, and damage from racing or other illegal activities.

Another thing policyholders need to remember is the lack of maintenance on a vehicle. If they fail to keep up with the car to keep it reliable and in working condition, the vehicle may stall and cause an accident. Although cars are considered machines, they can fail without warning. If it is learned that the driver failed to perform a specific check on the vehicle or it failed inspection, this could cause a denial in a claim.

Business Use Exclusions

Using your vehicle for business without proper commercial insurance coverage is often excluded. This includes activities like deliveries or ridesharing, where incidents may not be covered under a standard personal auto insurance policy. If not reported truthfully, it may be considered a form of insurance fraud in some situations. This can lead to severe fines.

Vehicle and Modification Exclusions

Standard auto insurance policies may not cover certain vehicles or extensive modifications. This can include vehicles used for off-road purposes or those with significant alterations. Inquiring with the insurance agency or reviewing your policy can help identify any such exclusions.

AFI Insurance Is There For You

AFI Insurance is here for you when you need insurance information. Our services are available in Denver, CO, and the surrounding areas. Call today.

The main questions to ask when shopping for auto insurance

Auto insurance shopping is often a frustrating and challenging experience. It is even more complicated if you have never bought auto insurance before. If you are shopping for car insurance, make sure to ask an insurance agent the following questions: 

What coverage is necessary for me?

Are you choosing an insurance plan? Be aware of different types of insurance. They are collision coverage, comprehensive coverage, uninsured/underinsured motorist, liability, and more. Deciding on which one you need is not easy. Therefore, ask an insurance agent to tell you more about them. 

What is my deductible?

A deductible is one of the key elements of any insurance plan. You should know the deductible that affects your premium. For example, a low deductible means you will pay more for your insurance.

What is not covered by my insurance plan?

Every single insurance plan has limitations. You should be aware of them before getting a plan you like. Usually, this information is included in your contract. However, it would be best if you also asked an insurance agent to explain everything. 

Who should be listed on my insurance policy?

If other people drive your car regularly, make sure to list them as drivers. Your insurance policy might also cover those who drive your vehicle occasionally, including your extended family, friends, and boyfriend/girlfriend. 

When shopping for car insurance, it is normal to ask questions. And when you ask them, make sure to get the detailed answers. If you plan to buy auto insurance in Denver, CO, or any other nearby area in Colorado, AFI Insurance is who you need to contact. We are here to answer all your questions and help you pick the right insurance plan. 

Four things consumers need to know about their auto insurance policy

When a good auto insurance policy covers you, hitting the road in your vehicle is most enjoyable. At AFI Insurance, we can offer quality coverage to motorists in Denver, CO.

Consumers need to be accurately informed about the coverage they’re carrying on the roads. The following are four things that consumers should know about their auto insurance policy. 

The coverage types

An auto insurance policy can include many different types of coverage. Every auto insurance policy contains basic liability coverage. Additionally, auto insurance policies can include collision, uninsured motorist, comprehensive, and rental vehicle coverage.

Motorists should know about the different auto insurance coverage types out there to be sure their policy includes the types of coverage they want and need. 

The coverage maximums

Auto insurance policies specify coverage maximums. A policy maximum is the maximum amount the policy will pay out in the event of liability damages. Investing in an adequate amount of liability coverage is essential to avoid financial problems and debt due to an auto accident. 

The policy deductible

The deductible is the amount you’ll have to put toward damage costs after an accident. Motorists should ensure they always have at least the deductible amount available in an emergency fund to pay out of pocket if they get into an accident. 

The process for filing a claim

Knowing about the claims process in advance helps to reduce the stress of being involved in an accident. Most insurance companies offer policyholders the option of filing a claim over the phone or online if they get into an accident.  

At AFI Insurance, we can offer auto insurance coverage that provides peace of mind to motorists in Denver, CO. If you’re looking for an auto insurance policy, call us today for a quote.

Different Types of Auto Insurance Coverage: What Do You Need?

You may be familiar with auto insurance and how it works. But did you know that there are different types of auto insurance? If you are searching for auto coverage, it is vital to know all the types to decide which one you need. Here is a brief review of several basic types: 

  • Liability insurance. If you cause a car accident, this coverage will pay for the other driver’s damages. It will cover everything, including injuries and even death. 
  • Collision coverage. It pays for the damage to your car if you are involved in a road accident with another vehicle. 
  • Comprehensive insurance. Usually, this coverage pays for damages to your car involving different situations besides road accidents. These situations may include severe weather events, vandalism, or accidents with animals on the road. 
  • Uninsured motorist coverage. Its purpose is to protect you and your vehicle against situations involving uninsured drivers. It pairs with underinsured motorist coverage. 
  • Underinsured motorist coverage. It may not be enough if you decide to carry the minimum liability insurance only. In most cases, liability insurance does not cover everything. That is where underinsured insurance comes in. It protects you if you are involved in an accident caused by a driver with minimum liability coverage. 

There are some other types of auto insurance that you may be interested in. You can always contact an insurance agent and ask them to tell you about all their insurance types. 

AFI Insurance in Denver, CO – We Will Help You Find the Ideal Coverage You Need

Are you a Denver, CO resident? Or do you live in any surrounding town in Colorado? Are you seeking a new auto insurance policy to protect your vehicle and yourself? At AFI Insurance, we know how to assist you. If you reach out to us, we will answer all of your questions and help you find the perfect policy. Please give us a call to learn more. 

Auto Insurance for Electric Cars: What to Consider

The increasing popularity of electric cars has led to a growing need for specialized auto insurance. As a trusted provider of insurance solutions in Denver, CO, AFI Insurance is here to help you understand the key aspects of auto insurance for electric cars and what factors to consider when choosing the right policy.

Electric vehicles (EVs) have unique features, such as advanced technology and high-capacity battery systems, which can impact insurance costs. Understanding the factors that influence EV insurance premiums is essential before deciding. These factors include the vehicle’s make and model, repair costs, and safety features.

Electric cars often have higher repair costs than conventional vehicles due to their specialized parts and technology. As a result, insurers may charge higher premiums for EVs. However, electric cars are known for their safety and eco-friendly features, which can help offset the increased cost. For instance, EVs with advanced driver-assistance systems or superior crash test ratings may qualify for discounts on insurance premiums.

When choosing auto insurance for your electric car, it’s crucial to consider the specific coverage options that cater to EVs. AFI Insurance offers customized policies tailored to your unique needs, providing the necessary protection for your electric vehicle. Talk to one of our knowledgeable agents to determine the right coverage and discounts applicable to your EV.

As the electric car market continues to evolve, it’s vital to understand the distinct characteristics of EVs and how they impact insurance costs. AFI Insurance, serving Denver, CO, is committed to helping you navigate the world of auto insurance for electric cars. Please get in touch with us for more information or assistance with your auto insurance needs.

What Should I Do After a Car Accident in Denver?

Knowing what steps to take is essential if you’ve just been in a car accident. In the moments following an accident, you may feel overwhelmed and scared. Keeping your emotions in check and taking care of the steps can help you safely get back on the road. Here are some key things to remember if you have recently been in a car accident in Denver, CO.

Step 1: Remain Calm and Check for Injuries 

The first step is to remain calm and assess everyone’s safety. If possible, move your car to the side of the road and turn on your hazard lights. Check yourself and all other passengers for any injuries, no matter how minor they may seem. Call 911 immediately for injuries or significant property damage from the accident. The police can document details of the accident that could help in any future legal proceedings or insurance claims. 

Step 2: Exchange Information and Document Damages 

Both drivers should exchange pertinent information, such as name, address, phone number, driver’s license number, vehicle registration number, and insurance policy information, with each other at the scene of the accident. Take pictures or video of both vehicles and any further property damage sustained during the incident. Get contact information from witnesses who saw what happened before they left the scene. 

Step 3: Contact Your Insurance Company and Seek Medical Attention (If Needed) 

Once all your immediate needs are taken care of at the scene of an accident, contact AFI Insurance as soon as possible so we can start working on your claim immediately. If anyone was injured, seek medical attention as quickly as possible. It could affect your claim if you delayed seeking medical attention, even if you thought the injuries were insignificant.             

Don’t wait until you have an accident in Denver, CO to get the proper coverage. Contact AFI Insurance for peace-of-mind protection against life’s unexpected events.

Required Auto Insurance in Colorado

When you own a vehicle in Colorado, you must have auto insurance. There are specific types of coverage that you must have in this policy. When you call us at AFI Insurance in Denver, CO, every agent knows precisely which types of coverage are required by the state and how much of each is required. Call us when you need an auto policy, and keep driving legally. 

Liability Auto Coverage

The types of coverage required by the state of Colorado are both types of liability coverage. With liability coverage, the bills incurred by the other party are paid for by your insurance policy when you are at fault for an accident that causes damages. There is a required amount for property damage liability, but it’s a low amount when compared with many states. It may be best to get more coverage than the state requires. There are two amounts that the state requires to be in the policy for bodily injury liability. This includes an amount for one person who is injured and a higher amount that is for everyone who is injured. These two amounts can also be raised when you want better coverage than the minimum required. When you have liability coverage, it will also pay for legal defense if you are sued for a covered accident. 

Other Coverage

When you want even better coverage, it’s also a good idea to get comprehensive and collision coverage types. Collision pays for your vehicle’s damage after an accident that’s your fault. Comprehensive pays for other risks to your car that can happen when it isn’t being driven.

Get Your Colorado Auto Insurance

If you’re in Denver, CO, you can call us at AFI insurance to get started with your own policy. 

Four common misconceptions to be aware of regarding auto insurance

The auto insurance policy and coverage amount you carry as a motorist can significantly impact your finances. That’s why it’s so important to be informed appropriately.

At AFI Insurance, we know how important it is for motorists to be aware of common misconceptions about auto insurance. The following are four common misconceptions to be mindful of regarding auto insurance. 

Auto insurance premiums always go up after you file a claim.

When you have auto insurance, it’s essential to use it when necessary. Don’t be afraid to file a claim because you think your premiums will go up. Your premiums shouldn’t go significantly up just because you file one claim or get one ticket on your driving record.  

You can use your general auto insurance policy to cover the commercial use of your vehicle.

You may need to invest in commercial auto coverage if you use your vehicle for commercial purposes. General auto insurance does not typically cover vehicles used for commercial purposes.  

Collision coverage pays off your car loan in case of a total loss.

If you have a loan out on your vehicle, you’ll be required to carry collision coverage by your lender. However, that doesn’t necessarily mean that your insurance will ultimately pay off your loan if your vehicle is destroyed in an accident.

Collision coverage will only compensate you for the current market value of your vehicle at the time of your accident. You may need to pay off your loan out of pocket if you owe more on your car than its current market value. 

You only need to meet state minimum requirements with your insurance coverage. 

It’s best to exceed state minimum requirements for coverage to enjoy enough liability coverage to protect you financially. While state minimum coverage is all you are legally required to have, it’s best to be cautious and invest in added coverage. 

Let us help you explore your auto insurance options in Denver, CO at AFI Insurance. We can provide you with helpful information and policy quotes to find the coverage you need. 

What is included with a Denver auto insurance plan?

The Denver, CO area continues to be a fast-growing part of the country. When you move to this area, you will want to own your own car. If you purchase a vehicle, you should ensure that you get the right insurance coverage. Various types of support can be included when you get a full auto insurance plan. 

Liability Coverage

One type of coverage that anyone in Colorado will have in their auto plan is liability coverage. When you have this type of support, it will give you coverage if you have caused an accident that results in damage. Due to this support’s importance, it is necessary to carry a plan with liability coverage if you want to drive your car anywhere in the state. If you do not, you can be penalized. 

Comprehensive and Collision Coverage

While it is not necessarily required by law in Colorado, many car owners in the state will also want to get a collision and comprehensive plan. With this type of insurance, you will have coverage to replace or repair your car if it is damaged or stolen. This can help to protect your vehicle and investment. Those with an auto loan will typically be required to carry a full insurance plan. 

If you want to invest in a car in the Denver, CO area, it will be vital that you get a proper insurance plan for it. A great way that you can ensure that you do select an ideal plan is by calling the team with AFI Insurance. There are a lot of factors to consider with any insurance plan selection, and AFI Insurance will help you select the right plan for your situation. 

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