No matter how little or how much you drive in Denver, CO, you can never really anticipate when an emergency will occur, especially during the winter months. For that reason, it is a good idea to have a few necessary items stored away in your trunk – just in case.  

Jumper Cables

A dead battery late at night, in the middle of nowhere, or even in your driveway is cause for concern.  Never be left stranded again by keeping jumper cables in your trunk.  This way, you can always help someone else in an emergency, too.

First Aid Kit

For minor cuts and scrapes, a first aid kit should be readily available in the trunk of your car.  If there is an injury, you need to attend to before the paramedics arrive, a first aid kit just might save someone’s life, including yours.  

Kitty Litter

Stuck in the snow in Denver, CO? Grab some kitty litter from the trunk and throw it on the ground to gain some traction. It works just as good as sand but has a bonus – it also keeps your trunk smelling fresh!

A Spare Tire

Getting a flat tire happens and you never expect it.  Even if your tire is brand new, you could still run over a nail and before long, you tire is flat or even blown out. Be prepared with a jack and a spare so you can change your tire yourself or call roadside assistance to help you.  Along with the spare tire, keep a florescent vest handy in case you have to change the tire at night. This way other motorists can easily spot you on the side of the road.  

Thinking ahead and putting these and other safety items in your trunk will keep you safe in the event there is an emergency.  At AFI Insurance, we work with clients to find the best auto insurance policy for their vehicle – many of which offer roadside assistance. To speak with a reputable insurance agent at AFI Insurance, contact us at 866-433-2888.   

 

Auto insurance can be confusing, but for those in the Denver, CO area, the agents with AFI Insurance can help make understanding a bit easier. One term that we often hear that might still be a bit foggy is a high-risk driver. So what is a high-risk driver?

In layman’s terms, a high-risk driver is anyone that is likely to be in an accident and therefore likely to cause a claim and to cost the insurance company money. This means someone that has a poor driving record, and that has had multiple claims and accidents, even those that have been unreported. Another high-risk factor is being under the age of 25. This is because younger drivers have less experience and are therefore more likely in the eyes of the insurance agency to get into an accident.

Being a male is also a high-risk factor because studies have shown that more males are involved in accidents than females. Another high-risk factor is being over a certain age as well. Older drivers have a harder time seeing other drivers, being able to follow traffic rules and more. No matter what your high-risk factor is, there are ways that you can counter these premium rises. Having a driver over the age of 50 can help to reduce premiums, being married can help, having a job, having a house, and having a reason to avoid accidents essentially can help reduce premiums.

Your agent can also look for discounts that you may be eligible for to help reduce and counter your high-risk drivers. If you live in the Denver, CO are, the agents with AFI Insurance can help you figure out what policy is going to work best for you and which are not.  

Your auto insurance plan has multiple types of coverage within it. Each component of your plan helps to cover a different type of risk. For example, most car insurance policies have liability insurance. This protects you from lawsuits and claims filed against you as a result of an accident or damage incident you cause. Contents coverage is another type of coverage you likely have. At AFI Insurance, our team can help you to have the right coverage for any need.

What Does Contents Insurance Do?

Perhaps you are at an event and your car stereo is stolen. You could see your entire vehicle be stolen in other cases including your expensive laptop in the backseat. Content insurance is a specific type of coverage to provide financial protection from losses of belongings normally found within the vehicle. This type of policy will cover items that you typically keep in your vehicle while using it or while it is parked. Keep in mind that this policy has limits.

Most of the time, contents coverage on your auto insurance is only available up to a certain level. This is typically $1,000 per item or event, but it can differ significantly. In addition, the coverage only applies when the reason for the loss is a covered claim, such as theft. It may not be covered in instances not typically covered by your auto insurance plan.

Contact Our Team for the Coverage You Need

To make sure your vehicle has the protection it needs, contact our offices today. At AFI Insurance, we help those in Denver, CO and the surrounding area to have a policy that meets their specific needs. Call our team to learn more about how you can update your plan to cover the valuables you keep in your car.