Category: Insurance

Insurance can be confusing for anyone. Different policies, different terms, different benefits—it’s no wonder many people simply pick a big-name insurance company and assume everything will be fine.

But what’s easiest isn’t always what’s best. The key to insurance is finding a program that is exactly right for you. And with so many choices available on the market, that can be a daunting task.

That’s where we come in. At AFI Insurance, we take pride in working hard to develop the right insurance program to fit your needs. We’re a local agency, based right here in Denver, Colorado. The principals of the agency graduated from CSU and CU. We love Colorado. We’re your neighbors and we’re proud to be part of your community.

And because of that, we take extra care to make sure your insurance program fits YOU.

Part of that is providing you with a free individualized rate comparison for your personal automobile and home insurance right on our website or by phone.

We’re an independent Insurance Agency. That means we don’t work for some giant insurance company, we work for you. We can help you structure exactly the kind of insurance program you need, selecting from among hundreds of different carriers. We’re here to help you navigate the often confusing maze of terms and choices.

Our goal is to build a long-term relationship to help you and your family grow and prosper.

That’s why we’re offering you this great free service. Just follow the link here on our website to be taken to the rate comparison page, and you can see for yourself how various programs will work for you.

Or just give us a call and we’d be happy to discuss the options with you directly.

That’s what neighbors do!

Motorcycles give you a driving experience that even the best supercar can’t touch. It is especially brilliant during the spring and winter, with the trees showing a wide variety of colors. Motorcycles cost considerably less than your average vehicle, but it’s sometimes hard to bring down your motorcycle insurance costs due to the riskier nature inherent in riding a motorcycle.

One of the ways that you can bring down your insurance costs is by consistently riding as safely as possible. A good driving history does a significant amount to bring down your insurance costs, whether you are picking up new insurance or you want to try to negotiate a better rate with your existing insurance company.

Motorcycle insurance mirrors the options available through standard car insurance. In Sherrelwood, CO, you are required to have liability coverage on your bike. However, that’s not the only coverage option you have available. You can also add in collision if you’d like your insurance company to cover damage to your vehicle even if you are at fault in an accident. This is a good option if you have a newer bike, and you don’t want to have to worry about whether or not the other driver has liability insurance that can cover the damage.

There’s also comprehensive insurance, which covers situations that aren’t covered under either liability or collision. A common coverage option for this insures your bike against damages related to theft or vandalism.

Want help in getting better, cheaper motorcycle insurance for your bike? Talk to our independent agents in Sherrelwood, CO or use our free quotes tool to find out your options.

The water is simply calling for your personal watercraft, and you pull out the jet ski to enjoy the waters in Welby, CO. While you’re out on the water, you end up getting into an accident that isn’t covered by anyone but yourself because you didn’t hold insurance on your personal watercraft. While you aren’t legally required to hold this insurance in Colorado, failing to look into your options results in a lot of time and money lost that you don’t want to deal with.

The type of insurance offered by jet ski insurance agents depends on the company that you choose. The basic coverage includes liability, and often underinsured or uninsured boater protection. Many boaters choose not to cover their crafts with insurance as a way to save money, or simply because they aren’t aware that it exists. When you run into that situation, it’s frustrating because you’re out the repair costs or medical bill money.

Another type of coverage offered with jet ski insurance is towing coverage. If you end up getting stuck on the water, getting a tow back in to shore can be an expensive endeavor. The insurance allows you to get a tow back in without having to stress about the cost.

You only really get paid out from insurance when someone else hits you if it’s entirely their fault. If you want to not play the guessing game so you can get your jet ski back out on the water quickly, take a look at collision insurance. This covers any collision damage on your jet ski so you can have it back out on the water as quickly as possible.

The winter in Colorado is not the kindest time in the world for the automobiles that are in the state. However, it is the time for the snowmobiles to shine. The blizzards hit hard in this area, especially if you live in the particularly mountainous regions of the state, so it’s important to be able to get around.

It can be hazardous riding on a snowmobile during the winter, so it’s important to understand what your snowmobile insurance rates are, and what kind of coverage you’re offered. The rates depend on many factors, from the ones you control to ones you don’t.

The type of insurance rate factors you control include the power of the snowmobile you’re driving, as well as the area of the state that you’re driving it in. A higher powered, higher cost snowmobile is going to cost more to insurance than a less powerful one since it’s more likely to cause serious accidents due to the additional power. The geographic location that you’re operating the vehicle also plays a part, as some areas have less safe roads than others. Your age also plays a part, as younger drivers are considered part of a higher risk pool.

Talk to our independent agents based in CO to find out what kind of snowmobile insurance rates you have access to. You don’t want to end up being lost in the cold come the winter, especially when you have a great snowmobile waiting to get into action. Give us a call or use our online quotes system to get free information on your coverage and how much you can expect to pay.

Life insurance is an important part of maintaining your peace of mind and protecting your loved ones when you are no longer able to help them. Although coverage will focus on the financial needs of your family or dependents, it allows them to grieve if you pass away without worrying about the initial expenses that may increase in Wheat Ridge, CO. An insurance agency can help you find a plan that is appropriate for your goals so that you can protect your loved ones.

Evaluating the Situation

Every individual and family has a different goal, so the situation will impact your options and your rates. If you are looking for a plan that will offer investment opportunities, then you may want to purchase a whole-life plan. If your goal is to protect your loved ones in case you pass away in an accident or an unexpected situation, then you may want to focus on a term plan. Your budget can also play a role in your decision, since a term-life plan is usually more affordable.

What an Agency Provides

An insurance agency provides specific services that allow you to compare your coverage options and find the plan that is best for your concerns. Agents listen to your concerns and ask basic questions regarding the coverage that you want to purchase before providing details about your options.

You can compare quotes, learn more about coverage and determine the differences between plans so that you can make the best decision for your family.

Getting your financial concerns in order and protecting your loved ones from unexpected strife and challenges can help you maintain your peace of mind. To learn more about your options and life insurance policies that are available, contact us to talk to an independent agent.

Owning a business means that you have a variety of responsibilities to handle. Colorado commercial insurance that is appropriate for your company can depend on a variety of factors. Identifying the option that is best for your goals and plans can seem complicated, but there are ways to limit the policies so that you can find the best fit.

Company Property

Before you consider the options that are available, determine if you have any specific items that must be insured. Any vehicles, company buildings and even vacant lots that you plan to use for your business in the future can require some coverage to protect.

Determine if your company needs any coverage before you consider any other options. Generally, a plan that protects your company property will also provide some liability protection or you can opt for a plan that provides additional coverage beyond simple property protection.

Services and Additional Concerns

Business owners have a variety of factors to consider, so the commercial coverage that is best for your goals and plans may vary. The services or products that you provide, the employees who work for your business and even the potential risks associated with the type of company that you are running can all play a role in the coverage that you need.

List all of your concerns, goals and plans. Make sure that your business is complying with state laws, particularly when it relates to vehicles or workers compensation, since you may have strict requirements when it comes to legal standards.

There are a variety of ways to protect your business, but the insurance policy that you need for your company can depend on a variety of factors and your personal goals. To learn more about your options, contact us to talk to an agent today.