Author: AgentInsure

In the state of Colorado, all motorcycles must maintain compliance as it relates to the insurance laws. Other than the necessary protective gear, eye protection, foot rest and other safety instruments, financial responsibility is an essential aspect of preparing for safety on the roadways. Accidents are possible, whether you are driving a motor vehicle or a motorcycle. For that reason, having motorcycle insurance will make sure that you can pay for injuries or damages suffered by yourself and others.

The Restrictions

As a motorcyclist, if you don’t have insurance, you will be restricted to:

• Filing a complaint for insurance, in the event that there is a collision
• Liability coverage to protect you and anyone involved in the collision

The Liability

According to the insurance laws in the state of Colorado, you are mandated to carry liability insurance. There are specific state limits, which you have to discover from an insurance carrier. However, for your safety, it is recommended that you get coverage for bodily injury and property damage. It is important to seek several quotes for motorcycle insurance before making a decision which insurance carrier to go with. This could save you thousands of dollars. You also have optional coverage.

Optional Insurance Coverage

The law does not force you to accept optional insurance coverage, but it will only serve to prepare you for safety. So, it is advised that you check with an insurance carrier in your state to discuss if the minimum requirements are enough to ensure that you are adequately and safely covered. Some of the optional insurance coverage includes:

• Repairs during a collision
• Medical payments if there is an injury
• Comprehensive coverage to handle natural disasters, fire, theft or vandalism
• Labor and towing
• Uninsured motorcyclist during a collision
• Underinsured motorcyclist during a collision

Don’t be caught off-guard without motorcycle insurance coverage you need. Rather, it is easy to receive an online comparison quote with AFI Insurance. This will allow you to make an informed decision to remain safe on the Denver, Colorado roadways, subsequently protecting yourself. To find out more about how you can do this, contact AFI Insurance today.

When you live in Denver, CO, you want to do all you can to take care of yourself, as well as your family. A life insurance policy can provide financial protection in the event you pass. This is money that can be used by your spouse, your children, your parents, or anyone you deem as your beneficiary.

Finding the best deals is important and there are some tips to help you as you shop around.

Term vs. Whole

One of the biggest decisions you have to make is whether you want term or whole life, and it may vary. Term is great for an affordable premium while whole can provide long-term benefits. Understanding the differences is important and you want to make sure you choose wisely.

Compare Rates

Not all life insurance companies offer the same rates. This is why it’s so important to contact at least three companies to get rate quotes. It will allow you to make some comparisons so you know what you could end up paying for your premiums.

Explore the Amount of Life Insurance You Need

The more life insurance you want, the more it is going to cost you. However, you want to be sure you have enough. A simple rule to follow is 10 times your annual income, which can be enough to help your family tremendously.

Work with an Independent Agent

You never truly know what’s out there for insurance until you work with an agent. Agents can talk to you about the different discounts that are out there and help you to find the best company to work with, as well as the best premium.

Contact us at AFI Insurance today to get personalized assistance with finding a life insurance policy in Denver, CO for you and your family.

 

Living in Denver, CO can be a lot of fun. Whether you are a homeowner or a renter, you may have various insurance policies in place. When you are ready to update your insurance policies, it is important to know what you need. For every policy, you may need a few different things.

Auto Insurance

For starters, you will need:

• Policy Number
• VIN number
• Case numbers if you have DMV issues

You may want to explore more coverage, especially if you have been involved in an accident. This can minimize the amount of money that you spend out-of-pocket if there is another fender bender in your future.

Home Insurance

To update your home insurance, you will need:

• Policy number
• Value of items in your home
• Safety features

You may want to increase the level of coverage that you have based upon any valuable items in your home, such as artwork or collectibles. You may also qualify for discounts if you have installed any safety features, such as a security system or smoke detectors.

Renters Insurance

If you rent, you will need:

• Policy number
• Requirements of property owner for coverage
• Value of your items

If you move from one place to another, you will want to confirm that the level of coverage required is the same as the last place you lived in.

Business Insurance

For your business, you will need:

• Policy number
• Vehicle VIN numbers
• Value of inventory

Your business needs to be protected and if you have experienced any growth, you may want to explore more coverage.

Contact us at AFI Insurance today to learn about updating your insurance policy. Our agents can also help to get you quotes to compare premiums and answer questions you may have about coverage in Denver.

 

 

 

Your business needs commercial insurance. It is the most reliable way to protect yourself from catastrophic damages and unavoidable liability. When you have adequate coverage, your company can stay in operation no matter what craziness life throws at it, providing you with stability in even the worst of times. If you feel a little inexperienced in commercial insurance, fear not. These are the three key tips to making the right choice.

Ask the Right Questions

When you contact an agent about commercial insurance, there are specific things you need to know. The two biggest questions are “What is the scope of services?” and “What is the capacity of coverage?” When you can thoroughly answer these two questions, then you know whether or not an agency can fit a policy to your business needs. By all means, don’t stop here. Anything that is unclear or particularly important to you or your company should be added to your list of questions.

Consider a Business Owner’s Policy

This is a simpler policy that is aimed to meet a small business’s needs with a single framework. Essentially it combines the elements of property insurance with general liability, to protect you from physical damage and loss as well as legal reprisals. Some policies will offer have packages to help your business when circumstances shut operations down for a short period. Always remember that every policy is unique, so double check the exact scope of coverage when you make your choice.

Think About the Future

Ultimately, you want your business to grow and succeed for years to come. This means you’ll need to maintain your commercial insurance for that duration, so choosing your partners in this is a long-term commitment. There are tons of experts in the insurance field, so you can find a great choice, but you want to have the appropriate conversations to make sure you and your agent are a good fit and that you can work effectively with your insurance providers.

Talk to an AFI Insurance agent today, or schedule an appointment to get started on the path to a properly protected business future.