Category: Auto Insurance

The holiday season is a busy one. The weather is changing, people are driving more and it gets dark earlier. Also, people are stressed, tired, and unfortunately, sometimes driving while under the influence. This is a time to ensure that you and your family stay safe on the road. Here are some tips to help you out:

Be Extra Vigilant

Now is the time to practice an extra dose of defensive driving. People may not be paying attention or they may be driving erratically. This happens when the weather changes and people fail to adjust their driving to the new conditions. Always be sure to leave plenty of room and keep your eyes open for problems.

Don’t Be A Part Of The Problem

Rush hour traffic, holiday shopping, bad weather and general holiday stress can have you hurrying and even agitated. Don’t give in to the urge to speed or engage in road rage. Remember that the most important thing is that you and your family arrive safely at your destination.

Report Drunk Drivers

If you see someone driving erratically, it’s important to report it. Of course, you will pull over before making any phone calls, or have a passenger make the calls for you.

Use Devices With Caution

MP3 players, GPS devices and smartphones are all great to have on the road, but they present a huge hazard when you are driving. Always set your GPS before you leave. Don’t give in to the temptation to mess with your playlist or fidget with your GPS device while driving. Pull over if need be. It only takes a split second!

Finally, be sure your car is in good working condition and properly maintained. Also, be sure that your vehicle coverage is up to date and still providing you with the proper amount of protection. If you aren’t sure, contact your Denver, CO insurance representative today.

Protecting your personal assets and home equity are important priorities for you and your family, which is why an effective home insurance policy is so critical. These policies help you rebuild your home in the event of major damage, or they can help you replace personal property lost attributable to events out of your control. These two benefits are just a small example of how insurance can protect your assets.

If you’re subject to a lawsuit and are found liable for damages or medical payments, home insurance can help absorb some of those costs, allowing you to keep your home. This type of protection is critical for the peace and security of your family. Also, if your personal property is damaged due to theft or some other type of uncontrollable event, you can likely recover the worth of your assets.

If your home is damaged by a natural disaster, you may need special coverage options such as flood and fire insurance, to cover the cost of the damage. This makes it critical to understand the area that you live in, so that you can optimize your home insurance coverage. While Denver, CO is a beautiful place to live, it’s not without risks and threats to your home equity. The right insurance can make these risks less daunting.

You’ve worked long and hard all your life to accumulate your home equity and personal possessions, which means you need adequate home insurance to mitigate risks. Whether you’re looking for AFI insurance or specific coverage limits in Denver, CO, talking to a qualified and experienced insurance rep is key for effective policy selection.

You will undoubtedly need a car in Denver, Colorado and along with the cost of it and driving it will come the responsibility of setting up an auto insurance policy with AFI Insurance, who serves the greater Denver area. However, you will also need to get into the habit of keeping your vehicle clean, as there is a wide variety of seasons in the central Colorado area. If you don’t, not only will your car look filthy and lose some resale value over time, but it can be dangerous, due to lower visibility on windows and mirrors which can lead to an accident. Below are some ways to best keep your car clean in Denver, Colorado.

CHECK THE WEATHER

Pay attention to the local weather in Denver, so that you aren’t washing your car right before a rain or snow storm. This will save you money and make all your car cleaning more useful when rain or snow doesn’t immediately dirty up your vehicle again.

WIPE THOSE WINDOWS AND MIRRORS

Clean your windows and mirrors regularly to ensure you have the best possible visibility in your car when driving in Denver. While you can use basic window cleaners and rags, the best way to clean these smooth surfaces in your car is with alcohol, vinegar and water mixed together and then wiped down with old newspaper. This cheap solution can be kept in your garage or even in your trunk so you can clean these surfaces with ease.

ADD WAX

After you wash your vehicle, make sure you spend a little extra money and time to wax it. This will keep it’s exterior looking nice and clean and also make it easier to clean in the future, saving you both time and money.

Denver, Colorado has four distinct seasons, which is great for those who live there and love the beautiful summers and the cold, snowy winters. However, it’s not so great for resident’s automobiles, which take the brunt of the weather year-round. Because of this, it is important to keep your vehicle clean in Denver no matter what the season is. Below are tips for keeping your car clean in the Mile High City in all seasons of the year.

IN WINTER

You need more light while driving in those winter storms in Denver. One easy way to do this is to clean the plastic covers over your headlights if they have become cloudy and oxidized. The best way to do this is the home recipe of adding toothpaste to a rag and scrubbing out the cloudiness. They will be as good as new and allow more light to come through during those snowy winter days.

IN SPRING

Spring will bring showers in Denver, so it’s important to not only pay attention to the weather to not wash your vehicle until after the storms pass, but to also wax it a couple times with good car wax. This way, when it does inevitably rain again, you can just give your car a simple wash and the dirt will come right off without damaging the exterior.

IN SUMMER

The heat can cause your dashboards to weather inside the car, but this can be easily remedied with a damp cloth that will remove dust and grime or maybe a small amount of laundry detergent that will remove tougher stains.

IN FALL

It will start to be getting cool so washing your car may not be ideal. Instead, just use a couple soft cloths to wipe away any excess dust and pollen unless your car is incredibly dirty.

Keeping your car clean will also create less of a chance of you having an accident due to bad visibility out your windows, keeping you from having to tap into that auto insurance policy. If you don’t have auto insurance for your new, clean vehicle, look up a company like AFI insurance, who serves the greater Denver, Colorado area.

From time to time, you may be asked by a friend or family member if they can borrow your car. This is a question that you should not answer on a whim. You should know who is driving your car as well as some other pertinent information before giving them an answer. There are also some other things to consider. Before letting someone borrow your car, make sure that you know these things.

• If someone asks to borrow your vehicle, you will want to ask them about their license and ensure that it is valid. If it is expired or suspended, you will not want to let them drive your vehicle.
• Know about the driving history of the person before you let them drive your car. Find out about any issues they may have had in the past. Some of the things you will want to consider is whether or not they have had speeding tickets or accidents in recent years. This will give you a good indication or whether or not they will drive your car with care.
• Make sure that they will be covered by your insurance in the case of an accident. You will want to check your current policy to ensure it is active and also ask them if they have their own policy. You can never have enough insurance protection when someone else is driving your car but you may be in trouble if there is no protection by your current policy. If they need to use your car often, you may even want to consider asking them to get their own policy or even adding them to yours.

Before letting someone borrow your car, contact AFI Insurance serving Denver, Colorado to ensure you have proper coverage. 

It is so important to develop safe driving habits the moment you obtain your driver’s license, and even before. This will keep you and your family safer while you are out on the roads, and ensure that you are keeping the roads, in general, safer. Further, it can help to reduce the cost of your insurance by being accident-free.

Set a Good Example

You may have children and teens in your car from time to time. By developing safe driving habits, you are going to set a good example for them. They will know as they get older that it is important to buckle up and look both ways before turning.

Staying Safe

If you don’t develop safe driving habits, you can easily get into an accident. This could be a simple fender bender or something more serious. Many times, cars will change lanes without signaling or brake at the last moment, not giving the other cars on the road any indication as to what they are doing – and this can be extremely dangerous.

Practice makes perfect, and this means taking the time to practice and employ the safe driving habits every time you get behind the wheel.

The reality is, insurance premiums will go up when you don’t have a safe driving record. This means that you want to develop a safe driving habits so that you can avoid accidents with higher frequency – and save on your premiums at the same time.

At AFI Insurance, we want to do whatever is possible to help you find affordable insurance that fits your needs and your budget. Call us today and one of our agents will look forward to helping you every step of the way. This will ensure that you have the necessary coverage to be confident on the roads throughout Denver, Colorado.