Auto Insurance Add-ons to consider

Auto insurance is vital, but regrettably, you will find motorists in Denver, CO operating their vehicles without car insurance. Most car owners in Denver, CO view car insurance as a recurring annual expense. Nevertheless, when unexpected strikes like an accident, it is time they realize how auto insurance is a fundamental tool and add-ons are. At AFI Insurance, we offer outstanding auto insurance blended with add-ons to ensure that Denver, CO drivers are perfectly safeguarded against imminent perils like theft and fire. Below are add-ons you can consider to enhance your auto insurance policy.

Road assistance coverage

Have you ever been stranded on the road with a punctured tire or failed engine in Denver, CO? It can be stressful. Having road assistance coverage eliminates all worries of feeling helpless. This form of coverage offers services such as battery jumpstart, gas delivery, puncture repairs, and minor roadside repairs whenever your car is unfunctional away from home.

Zero depreciation cover

This kind of add-on ensures car owners in Denver, CO gets the entire claim of the repair or replacement cost without factoring in depreciation. Devoid this crucial protection, you might have to cover the difference between the actual cost of repair and the insured value.

Consumable cover

Most consumables such as oil, nuts, and bolts are not catered to by insurance during claim times. Acquiring this form of add-on can save on all those consumables that will get covered no matter how small they seem to be. It extends cover to expenses emanating from consumables that are unfit for future utilization, resulting from damage after an accident.

Engine protection cover

Your car engine is one of the most vital components. This importance warrants a solidified car insurance for your engine. This coverage is very instrumental if you reside in areas that experience heavy downpours. Engine damage is likely to crop up when you start your car with a wet engine. Standard auto insurance coverage doesn’t protect against engine damage; therefore, engine protection cover salvages you from damage costs for your engine.

Do you need auto insurance in Denver, CO? Don’t look beyond AFI Insurance. Please call or visit our offices in Denver, CO. Our agents will help you customize auto insurance enhanced with add-ons that match your needs and budget.

What Auto Insurance Do Denver CO Drivers Need?

When you get into a car accident while driving around Denver, CO, you need to have car insurance, otherwise you could be breaking the law.

In Denver, drivers are required to have liability insurance that will cover bodily injury to another person or property damage to another individual’s property or vehicle. You are required to carry a minimum amount of liability insurance:

For bodily injury or death to one person in an accident: $25,000
For bodily injury or death to all person in one accident: $50,000
For property damage in one accident: $15,000

But, just because liability insurance is the only insurance you are required by law to carry, that doesn’t mean it’s the only insurance you should consider. There are several other options that will further protect you, your passengers and your property. 

For example, it is always a good idea to purchase uninsured/underinsured motorist coverage. This option will ensure that if you are in an accident with a motorist who does not have insurance that you and your car will be covered for any damages.

The next option you will want to consider as a driver is comprehensive and collision coverage. This insurance protects you against other damages to your vehicle outside a crash or accident. This can include damage sustained by bad weather It also protects you should your car be involved in a rollover.

Selecting the right insurance is an important decision for any driver. If you have questions or are interested in learning more about your options, contact AFI Insurance in Denver, CO for more information. Our experienced team of agents can put together the best plan to meet your needs.  

Do I need auto insurance in Denver?

The Denver, CO area is a popular place for people to live. This is a large city that also has access to the Rocky Mountains and all of the activities that come along with them. To enjoy the city and mountains as much as possible, you should get your own car. Along with the purchase of a vehicle here, you will also need to get an auto insurance plan. There are many reasons why you need to get an auto insurance policy when you are here. 

Insurance Protects Car

A key reason that you need to get auto insurance is that it can protect your car. Those that buy a car in Colorado will be making a big investment that needs to be protected. With a full collision and comprehensive plan, you will have the auto insurance coverage necessary to repair or replace your vehicle. This coverage will also be required if you have taken out an auto loan.

Insurance is Required by State

You will also need to get an auto insurance plan to drive your car in Colorado. Similar to rules that are set in other states, all drivers in Colorado are required by law to carry liability auto insurance. When you have this coverage, you will have the financial resources necessary to pay for any damages that you caused during an accident.

Those that would like to get an auto insurance plan in the Denver, CO area should call AFI Insurance. Picking auto insurance is never easy and AFI Insurance can help you get into a plan that is right for your situation. The team is able to do this because they spend time assessing your situation to figure out what your specific needs are when it comes to coverage. 

Do all Denver car owners need auto insurance?

When you are living in the Denver, CO area, you are going to want to be able to get around the metro area as efficiently as you can. A great way to make your transportation process easier is by owning a car. If you do want to own a car here, it is important that you get the right insurance for it. There are several reasons that the typical car owner here needs to have insurance for their vehicle.

Insurance is a State Law

It is very important to get auto insurance in Colorado because it is a state law. Anyone that is here and owns a car has to abide by state laws regarding liability coverage. If you are going to drive on a public road, you will be required to have liability auto insurance in place at all times. This will ensure that you could pay for any damages that you may cause during an accident.

Insurance is Required by Lenders

Buying a car is a major investment that often requires taking out a loan. If this is the case for you, the lender will have certain auto insurance requirements that normally will include having a policy with full coverage. This requirement is designed to ensure that the lender’s collateral is protected until the loan is repaid. 

Car owners that are in the Denver, CO area have to ensure that they maintain proper insurance at all times. If you are looking for ways to cover your vehicle, it would be a good idea to call AFI Insurance. Anyone that works with AFI Insurance will find that their friendly and knowledgeable service is geared to helping people pick quality insurance policies. This can ensure that anyone remains properly covered and protected at all times. 

Who Needs Auto Insurance

Every state in the U.S. has different requirements for who needs auto insurance as well as the minimum amount of coverage you should carry. In Colorado, everyone who has a driver’s license and access to a vehicle should have insurance in order to drive. Insurance agents are your best bet to know exactly what you need when it comes to auto insurance. At AFI Insurance, you’ll be able to get information that you need about liability insurance coverage.

Liability Coverage

It seems that younger drivers tend to cause more accidents, but anyone can have an accident no matter what age you are. If you have liability coverage, then you’ll be protected if you cause a car accident. In Denver, CO, you must have liability insurance on your vehicle. There are several different types of liability coverage. There is general, bodily injury, and property damage liability.

  • General liability – covers you if you cause an accident.
  • Bodily injury damage – protects you from financial responsibilities if you injure someone while you are driving.
  • Property damage liability – keeps you from paying out thousands or more from damages that you caused to someone else’s vehicle or property.

Other Types of Coverage

There are additional insurance coverages that you can secure for you and your vehicle.

  • Uninsured/underinsured motorist – if someone injures you, your medical bills, vehicle repairs could be covered if that person doesn’t have insurance or doesn’t have enough to cover the cost for repairs.
  • Comprehensive coverage – covers the damage to your vehicle that is not related to a driving accident, such as vandalism, theft, or fire damage.
  • Collision coverage – could pay for damage to your vehicle if you hit another object, such as other vehicles, poles, or mailboxes.

Talk to an agent about liability limits and other coverage you may need for your vehicle in Denver, CO. At AFI Insurance, their staff can help you get started with your auto insurance policy.

Insurance and Buying a Car at a Dealership

Let’s face it – shopping at a dealership for a new or used vehicle can be stressful but there’s more exciting or relieving than when the process is finally complete and you receive the keys to your new vehicle. When shopping for a new or used vehicle, not only do you need to have financing in advance of being able to sign on the dotted line but also you will need to show the car dealership proof of insurance. 

Keep in mind that since you’ll need to have proof of insurance on the day you take delivery of the vehicle if you are shopping on a weekend, then it may not be a bad idea to call your insurance company or agent in advance of the purchase. This way, you’ll be guaranteed of having everything done in advance – just in case there are any issues. Additionally, just because you add insurance for a new vehicle unto your policy does not mean that you have to start paying for it at the same time. Most major insurance companies will allow you to select a date in advance that you want the coverage to begin on so you only have to pay for it when you take ownership of the vehicle. 

Additionally, depending on whether you pay cash, finance, or lease your vehicle you may be required to have different types of insurance coverage. For example, buying cash means that you only have to carry the minimum insurance coverage requirements in your state whereas with a financed vehicle you will need to have collision, comprehensive, and liability coverage on your policy. 

When it comes to finding your next auto insurance policy, AFI Insurance in Denver, CO is ready to assist. Our friendly and knowledgeable team of insurance professionals will take the time to answer all your questions while helping you find a policy that best fits your needs.

Auto Insurance Add Ons

When it comes to your auto insurance you will need to consider a number of variables. It isn’t just about protecting your vehicle, taking out liability insurance, and other forms of personal insurance protection. There are secondary auto insurance add-ons you’ll want to consider. Ultimately it depends on your vehicle and what kind of protection you’re interested in. However, if you live in greater Denver, CO our staff here at AFI Insurance is here to help. 

Roadside Assistance

You never know when your vehicle might break down. Whether it is a dead battery while out shopping or you blow a tire while on the highway, paying a tow truck to come out and service your vehicle is expensive. Often you pay by the mile, which really adds up. However, with the roadside assistance, you’ll avoid these costly expenses. 

Vehicle Upgrades

Have you made upgrades to your stock vehicle? Perhaps you installed a new stereo system. Or maybe you love to tweak your pickup and have added performance shocks, new LED lighting, and other upgrades. Whatever you’ve done with your vehicle, chances are you don’t want to pay for everything out of pocket a second time. However, if you don’t insure these vehicle upgrades there’s a good chance you’ll be forced to unless you have added insurance for the vehicle upgrades. It’s a good idea to contact your insurance provider whenever you make a large upgrade to your vehicle. 

Finding The Right Auto Insurance Add On Coverage

There is no limit to add-on coverage options. It just comes down to what kind of vehicle you own, whether you want to cover certain aspects of the driving experience, as well as how much insurance you can afford. Whatever your budget though and regardless of the vehicle, if you live in greater Denver, CO our staff here at AFI Insurance is here to assist. 

Why you Need to Get Auto Insurance in Colorado

For a lot of people in the Denver, CO area, owning a car is a necessity. If you do own a car in this area, it is important that you consider all of your insurance needs. There are several reasons why you will need to have a quality auto insurance policy when you have a car in the Denver area. 

Required by State Laws

One reason why you will need to get auto insurance in this area is because it is required by state law. Similar to other states, Colorado requires that all drivers on public roads carry liability auto insurance at all times. This form of auto insurance will ensure that you are able to pay for damages that you cause during an accident. If you do not have this insurance, you could face a variety of penalties if you are caught without it. 

Provides Protection for Car

While the liability auto insurance is all that is required by law, you also will want to get insurance to protect your car. If you have a car that you depend on and want to be able to replace or repair without coming too far out of pocket, getting auto insurance is a necessity. In these situations, you will want to get a full comprehensive and collision policy that will give you coverage for a wide range of risks and situations.

For those that are in the Denver, CO area and shopping for auto insurance, a great company to contact is AFI Insurance. When you speak with the team at AFI Insurance, you can be assured that you will receive great support and coverage. They will help to review your particular situation to ensure that you are getting into the right policy for your situation. 

Is Collision Insurance Good Enough if I Put a Lien on My Car?

Agents who sell auto insurance offer both collision and comprehensive types of coverage. While collision is fine if you own your vehicle, it may not be sufficient if you put a lien on it. The agents of AFI Insurance offer Denver, CO residents advice on what type of insurance is best for them. If they choose to take out a loan and use your vehicle as collateral, you may need to upgrade your policy.

Protecting Their Investment

When you put a lien on your vehicle, the lien holder will want to protect their investment. This usually means that they will request an update to your policy that switches it from collision to comprehensive coverage. Comprehensive coverage will cover the cost of the vehicle if it is totaled during an accident.

Buy Yourself or Allow Them to Add it to the Loan

Depending on where you get your loan, the lender may put the cost of the comprehensive cover as part of your policy. This ensures the coverage will never lapse and that the premiums are paid on time every month. In some cases, the bank may be able to get the policy at a lower cost.

In Denver, CO, residents who put their car up for collateral on a small loan will need to talk to the agents at AFI Insurance to find out what they need to do with their insurance policy. Speaking to an agent will ensure that you have the type of coverage you need in place at all times. Visit the office and talk to an agent so your vehicle is fully covered. 

Why do I need to carry collision and comprehensive insurance

Denver, CO is a challenging city to drive in, there is no other way to describe it. With about 20 cities that make up the Denver metro area, you will have a lot of company anytime you are on the road which is a shame since the views of the mountains are quite spectacular. When it comes to why I need to carry collision and comprehensive insurance AFI Insurance is here to help you by answering any question you may have about your current coverage or coverage you are considering.

The most obvious answer to the question of do I need to carry collision and comprehensive insurance is yes if you have a loan on your vehicle or are leasing a vehicle. The DMV in Colorado only requires that you carry liability insurance to protect other drivers from you but they do not require that you protect your own vehicle. 

Collision insurance covers the repair and replacement of your vehicle damaged in an accident with another vehicle where you are at fault. If you are driving an old car with little value, then you probably don’t need to carry collision coverage. If however, repairing or replacing your vehicle would be a financial hardship for you, having collision coverage may be worthwhile. 

Comprehensive coverage is for damage that is caused by something other than a collision with another vehicle. Glass coverage is usually part of your comprehensive insurance and one of the main coverages is theft. If your vehicle has value and is stolen, there is no guarantee that it will ever be recovered. If it would be hard to replace your vehicle, you may want to consider getting this coverage. 

Whether you are a new driver or an experienced pro, we have the information that you need. Give AFI Insurance a call or stop by our Denver, CO office and let us give you a no-obligation quote.