Skip to content
Send us a Text Click to Call
AFI

3900 West 38th Avenue
Denver, CO 80212

Get Directions

Colorado Insurance Blog

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. 

Choosing the right policy to protect your first car

Buying your first car is a very exciting experience and the team here at AFI Insurance is here to help all residents in the greater Denver CO area with all of their insurance needs. Before you buy that car, be sure that you have selected the right policy to protect it!

The right policy to protect your first car

Owning a car is a huge milestone and you will likely remember the day you buy it for many years to come! But, before you drive your new vehicle off the lot, it’s important to take the time to choose the right insurance policy to protect your new investment. 

Outside of a house, a vehicle in many people’s largest purchase. It only makes sense to protect such a substantial investment. Now, the first time you look at your auto insurance options, you may feel very overwhelmed. There are definitely a lot of options to choose from. Luckily, sitting down with a local agent to review these options is an effective way to make this process a lot less stressful.

Be sure that you have the coverage you need. And you may want to consider features like roadside assistance, car rental reimbursement, and safe driver discounts when making your selection. Even though it can be an overwhelming experience at first, it is one that is absolutely necessary. It is also recommended that all insurance policies are reviewed on a regular basis as many times your needs can change.

Give us a call today!

Denver, CO area residents can rely on AFI Insurance for all of their insurance needs. Give us a call or stop by our office today and learn more about the many auto policy options that are available in our area.

What Kind of Vehicle Should I Purchase for My New Teen Driver?

So, the time has come for your teen to start driving. Aside from purchasing sufficient auto insurance coverage from an agency like AFI Insurance, serving the Denver, CO area, you also must take care of the vehicle that you choose for your teen. The vehicle chosen will not only affect how safe your teen is on the road, but it will also have a direct impact on your auto insurance premiums. Here are a few tips as you embark on your teen car-buying journey.

New or Used Car?

While the absolute most advanced safety technology features will be found in newer vehicles, this doesn’t mean that you have to go with a new car. A new car will mean a car payment, so keep this in mind as well. Believe it or not, it is possible to get a used car that has very similar safety features to newer cars. In the end, you should go with what you feel comfortable with after speaking to your insurance agent about the costs associated with insuring a new vehicle. 

Big or Small Vehicle?

Ultimately, it is a general consensus that you should avoid SUVs, trucks, and other large vehicles for your teen driver. This is because these vehicles can be a little more difficult to maneuver, and they’re more susceptible to being involved in a rollover car accident. At the same time, though, you will want to avoid extremely small cars, since compact vehicles have very little protection. In the end, you should opt for a midsize sedan or even an SUV. These will provide plenty of cargo space for a teenager while also being safe and easy to maneuver.

There are plenty of other factors that should be taken into consideration, such as crash test ratings, airbag placement, horsepower, and more. When you’re ready to obtain a car insurance quote, contact AFI Insurance, serving the Denver, CO area.

Categories

Archives

Partner Carriers

  • Agile Premium Finance
  • Allstate
  • Attune
  • BackNine
  • biBerk
  • Bristol West
  • BTIS
  • Chubb
  • CNA Commercial
  • Coterie
  • Cover Whale
  • Covr
  • Cowbell
  • Dairyland
  • Encompass
  • Falcon Insurance
  • FCF Premium Finance
  • Foremost
  • Goto Premium Finance
  • Hagerty
  • Mexipass
  • Nationwide Insurance
AI Assistant Powered by AIWebsiteChatbots

Hi, I am a personal AI assistant, ask me anything you want to know about AFI Insurance!

Did you find this information helpful?

Button has been clicked 0 times.

Button has been clicked 0 times.