Category: Auto Insurance

Auto insurance is mandatory for drivers in the United States. Drivers in Colorado must meet the minimum criteria to auto insurance liability, or comprehensive coverage depending on their driving record. AFI Insurance of Denver offers auto insurance to drivers in Colorado State.

The main categories of auto insurance available to Colorado drivers:

Liability Coverage – the mandated minimum auto insurance requirement every Colorado driver must meet to register a vehicle and driver in the state, covers another driver’s injuries and property damage after an accident claim.

Property Coverage – auto collision coverage compensates for vehicle repairs or replacement in response to an accident or vandalism claim.

Medical Coverage – compensates an insured for any medical bills hospitalization, funeral expenses, as well as lost wages due to injury.

Comprehensive Coverage – a single policy combining liability coverage, property damages, and medical expenses.

Colorado auto insurance premiums are indexed at a higher rate. Depending on a driver’s accident and traffic ticket record, auto liability insurance may be supplemented with collision or part of a comprehensive auto insurance agreement. Comprehensive auto insurance policies cover medical bills, vehicle repair bills, and attorney fees if a lawsuit should ensue after an accident claim.

A driving record that has negative marks for accidents or traffic tickets may be categorized as a risk; requiring a driver to meet comprehensive auto coverage requirements to register a vehicle, as well as apply or renew a license. Colorado drivers with a good driving record may benefit from discounts offered through their insurer. Ask your insurance broker about your eligibility for a good driver discount.

To find out about auto insurance coverage policy premiums, claims grace periods, and terms and conditions in Colorado, and to request a quote, contact AFI Insurance, Denver CO.

When you hear about Denver, CO, one might think of snowfall; the arid conditions actually bring only 8 to 15 inches of annual precipitation, which it gives residents over 300 days of sunshine a year. The average temperature is 45 degree Fahrenheit and the mountains remain snowcapped throughout winter. Because it is sunny so much in Denver the snow spells rarely last more than two day, which can create water damage from the melting snow.

Winter in Denver, CO can be a fun time for skiing and snowboarding, but it can be hard on one’s home. That’s why there are special precautions that should be taken to prepare one’s home for winter weather. The first thing that can be done is to make sure your heating system is working properly and if it is in need of a tune up. Another easy tip is to switch your ceiling fan in reverse. That may seem silly, but it can help when you turn on your heat because it will produce an updraft and push down the heat. Next, check your roof for missing or broken shingles because the melting snow can get heavy and may leak during a winter storm. This is why having homeowners insurance that covers roof leaks in the Denver, CO area is so important. You can also caulk in the window frames and door frames and gaps between the sidings. Silicon’s caulk is best for harsh exteriors because it won’t shrink and is impervious to the winter elements. Cleaning your gutters that are full of detritus can back up water which can then damage the roofing, siding, and even wood trim. That can even cause leaks and ice dams. These are just a few tips to deal with the winter weather in Denver, CO.

You can also caulk in the window frames and door frames and gaps between the sidings. Silicon’s caulk is best for harsh exteriors because it won’t shrink and is impervious to the winter elements. Cleaning your gutters that are full of detritus can back up water which can then damage the roofing, siding, and even wood trim. That can even cause leaks and ice dams. These are just a few tips to deal with the winter weather in Denver, CO.

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.