The Mile High City of Denver, Colorado 80212 is a great place to call home. There are many things to do, including visiting the US Mint, where money is actually made. For business owners, getting around, it is costly in a bigger car, so adding fuel efficient cars to their fleets is a big deal to save on costs. Although fleet managers save money on fuel when they purchase smaller vehicles for their fleet, what affect does green cars have on a company’s insurance costs?

Green Cars and Insurance

Green cars are cars that are more fuel efficient. They are typically hybrid cars that use a combination of gas and battery or electric to operate. Many fleet managers are purchasing these cars because they can save tremendously at the pump and they like the idea that they are reducing their carbon footprint, but they don’t save you on the cost of your insurance. In fact, with very small cars, the cost of insurance is more.

Small Cars Have High Insurance Premiums

Small cars cost more to insure because they present a few risks to the insurance company. For most insurance companies, the fact that they are so small presents the most risk. Individuals in an accident in smaller cars sustain the most damage. For your business that means that it would cost more insurance dollars to make you whole if you or your employees are in an accident.

Coupling the fact that commercial insurance is higher because businesses travel during peak driving times of the day, with the fact that smaller cars are less durable, and you have the potential to experience major losses. The best vehicle to save money on gas and insurance premiums are minivans because they are durable and they consume less gas when traveling around.

Before you decide on the next car to purchase for your fleet it is important to speak to licensed insurance agents. They can provide commercial insurance quotes to ensure that your business is getting the best value when it comes to insurance.

Accidents and unfortunate situations, such as flood, fire, and even lightning, can happen. These things do not just occur in homes and public places, but also in businesses. If you own a business, you surely want to guarantee the safety of your company, your employees, and yourself as well. You need business insurance to secure your investment in Colorado.

AFI Insurance has commercial insurance agents who are willing to serve you. Before you talk to or hire one, we encourage you to ask the following questions:

1. What are the types of business insurance? There are actually several types of business insurance and our agents know about them. These types include property and casualty insurance, commercial auto, liability, product liability, and business interruption insurance.

2. Are there ways to save money when purchasing insurance? The simple answer here is yes. We have an online tool that you can use to compare various insurance products. Also, our agents will help you find ways to purchase insurance without paying high premiums.

3. How much should I pay for business insurance? Every business is unique, so it depends upon your company. Be sure to have all the necessary information you can provide to make it easier for the agents to assist you.

4. As a startup business, should I get insurance right away? Our agents will recommend that you purchase insurance even if you are just starting out or even if you are planning to open tomorrow.

5. If I do not have major assets, should I still buy insurance? It does not matter if your company is small because it always helps that you protect your business in Colorado.

The commercial insurance agents that we have come with experience and knowledge, so every business owner in Colorado will be able to get the benefits of being properly insured.

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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.