What’s SR-22 Insurance?

what’s SR-22 insurance Affordable Insurance DenverSo what’s SR-22 insurance and why would you need it? At Affordable Insurance in Aurora, we know that most drivers will never need to deal with an SR-22, however, if you are one of the few that requires an SR-22 it is important to know exactly what it is and how it will affect your driving. Although an SR-22 may seem like an obstacle to getting behind the wheel, with the right background knowledge, it doesn’t have to be all that stressful.

What is the SR-22 document?

The first misconception we need to tackle is this, the SR-22 is not a type of insurance, but a document. This document can also be known as a Certificate of Financial Responsibility or a financial responsibility filing. The SR-22 document can be required by most states after a driver has been found at fault in a serious accident or convicted of certain traffic offenses. If the driver is unable to prove financial responsibility after a serious incident, the state DMV can request an SR-22 to be filed in order to reinstate or maintain the driver’s license.

Which Traffic Offenses Lead to an SR-22?

After asking what’s SR-22 insurance, you may be wondering why it’s required. Not all traffic violations are considered equal, and most will not lead to an SR-22. The state DMV is interested in issuing special requirements to drivers that they consider high-risk and likely to offend again. If you have been convicted of the following offenses and fail to show financial responsibility, it is likely that you will be issued with an SR-22 requirement.

  • Driving without insurance or a license is a surefire way to draw attention to yourself as an irresponsible driver who ignores the most basic rules of the road.
  • DUI or DWAI violations are some of the most common reasons for a driver to be issued with an SR22 requirement. A DUI conviction can stay on your record for up to 10 years and will mark you out as a high-risk driver.
  • Repeating the same traffic violations can result in an SR-22. Usually, a few speeding tickets or breaking a red light will not be enough to warrant an SR-22, but racking up a lot of tickets in a short period can put you into the ‘high-risk’ category.
  • Being found at fault in a serious accident, or any accident resulting in injuries can also lead to an SR-22.
  • Having your license suspended or revoked for any reason will usually result in an SR-22.

How Do I Know I Need an SR-22?

An SR-22 can be court-ordered in response to the conviction of a serious traffic offense such as a DUI. If this is the case, you will be notified at the time of ruling that you need an SR-22. If your SR-22 is state-ordered, you will receive notification from your local DMV. Once you have received notice of needing an SR-22, you must file for the SR-22 with your state to continue driving legally with a valid license.

Who Files the SR-22?

The SR-22 request is sent from your insurance company to your state DMV. Filing for this document means that your insurance company is confirming that you have an active policy that meets the liability requirements of your state. To reinstate your driving privileges, contact your insurance company as soon as you receive notice of the SR-22 requirement.

How is the SR-22 Filed?

If your state offers electronic filing, you may be able to complete the request in just one day. If the SR-22 is filed by mail, allow 10-14 days for processing. Insurance companies usually charge a processing fee for this task, typically $20 or under. Once you receive your copy of the SR-22, you can take it to the local DMV office and have your license reinstated.

How Does the SR-22 Affect My Insurance?

After asking what’s SR-22 insurance, our customers most often ask how much it’s going to cost them. Most SR-22 carriers will see their premium increase significantly. This is not a direct effect of having the SR-22 but is a result of the traffic violation committed. Being involved in an accident while uninsured, or getting a DUI, are immediate red flags to any insurance company and will definitely result in more expensive coverage. In most states, an SR-22 carrier will then have to maintain continuous insurance coverage with the SR-22 for 2-5 years before they can return to a standard policy. The length of time you are required to carry the SR-22 depends on the type of violation committed and state laws.

Some insurance providers will refuse to insure drivers with an SR-22 requirement. The cost of insurance and the fees associated with the SR-22 can vary from company to company. If you have received notification of an SR-22 requirement, it is a good opportunity to shop around and compare the offers of different companies in your area. Whether you have let your insurance cover lapse or have been loyal to one company for years, it is never a bad idea to compare prices and see if you can find the best deal.

Once they find out what’s SR-22 insurance, some drivers may be tempted to just stop driving for the period of time they are required to hold it and avoid costly insurance premiums. Unfortunately, this strategy often backfires. The 2-5 year period of time that you are required to hold the SR-22 usually begins as soon as you request your license to be reinstated, and not at the time of notification. You can stop driving for 5 years, but as soon as you try to get your license back, you will probably be required to hold SR-22 insurance for the next 2-5 years.

Carrying an SR-22 doesn’t need to destroy your budget or hinder your ability to get round town. At Affordable Insurance, we help SR-22 holders to acquire insurance coverage at a reasonable cost every year. We understand that receiving an SR-22 order can be a stressful and confusing experience. If you still have doubts about what’s SR-22 insurance or how to get it, our friendly customer service team can answer all of your questions. Don’t hesitate to call us for more information.

Factors that Affect Car Insurance Rates

Factors that Affect Car Insurance Rates Affordable Insurance DenverAt Affordable Insurance in Aurora, we know that when drivers understand the factors that affect car insurance rates, they are in a much better position to get a good deal. So, how do car insurance companies determine the cost of your insurance? Basically, the insurance company wants to calculate the overall risk of insuring a driver and charge them enough to make sure that on average, they don’t lose money. Insurance experts use an algorithm that takes into account a huge range of different factors in order to come up with a rate personalized to each driver.

Factors that affect car insurance rates can include your personal and professional details, characteristics of your vehicle and your driving habits. Some of these factors can be controlled and even changed to potentially get a better rate, but others are just predetermined boxes that need to be ticked. Take a look at the following factors that affect your insurance rate:

  1. Where You Live

If you live in a high-risk location where collisions, auto theft, and uninsured drivers are frequent, your insurance rate will be more expensive. Taking into account that your are is where you will be using the car most of the time, insurance companies will rate your local area in terms of risk when calculating your car insurance premium. Urban areas with high unemployment are usually the most expensive locations.

  1. Age and Gender

Yes, age and gender are factors that affect car insurance rates. Teenage drivers are charged high rates due to their lack of experience on the road and high rates of accidents. Statistics also show that young men are more likely to be involved in an accident than young women, and this is reflected in the rates. As drivers get older, the price of insurance usually drops steadily, until around 70 years old when the risk of accidents due to impaired vision and slower reaction times bring the cost back up again.

  1. Employment

Auto insurance companies can use information on your profession to predict the likelihood that you will get into an accident. Delivery drivers, journalists, and tradespeople spend more time on the road, often driving different routes every day and to unfamiliar locations. This activity increases the likelihood that they will experience a traffic accident. Paramedics, police, and insurance professionals are usually rated as more cautious drivers, so are given better rates.

  1. Marital Status

Single people tend to have more accidents than people that are married, and this is especially true for men. A lower insurance rate usually comes as an unexpected wedding gift to newly married couples.

  1. Credit Score

Unfortunately, low credit scores are one of the factors that affect car insurance rates and can have a negative influence on your premium. Keeping a good credit score shows insurance companies that you are an organized, cautious and reliable person, which they think will also be reflected in your driving.

  1. Vehicle Model and Size

Larger vehicles such as minivans and SUVs generally suffer less damage in collisions so are cheaper to insure. Smaller cars are more vulnerable to damage and seen as higher risk. Sports cars, luxury cars, and unusual or modified cars are often much more expensive to repair than standard models, so the auto insurance cost on these will be much higher than average.

  1. Vehicle Safety Rating

If you’re shopping for a car, remember that a vehicle’s safety rating is one of the factors that affect car insurance rates. A vehicle with a good rating will have features such as airbags, traction control, and automatic seatbelts. These vehicles are less likely to result in injured passengers in the event of an accident and so the cost of insuring them is lower compared to cars with an inferior safety rating.

  1. Vehicle Age

Newer automobiles are more expensive to insure than older ones of the same model. As the car ages, it loses its value. If an old car undergoes serious damage, the cost of repairs may be higher than the overall worth of the vehicle and the owner is more likely to choose to replace it rather than repair it. Due to this, insurance companies often don´t end up having to pay for repairs on older cars, so they can set the cost of insuring older cars lower.

  1. Driving Habits

Drivers who use their cars for work purposes or long commutes will spend more time on the road and thus have a higher rate of insurance. Those who use their vehicle less frequently can benefit from lower rates. If the car is stored in a secure garage, the insurance company may further reduce the rate, as there is less probability of theft or vandalism.

  1. Driving History

A driver´s record is one of the most significant factors that affect car insurance rates. A clean record goes a long way in helping to keep insurance rates down. If the insurance company sees evidence of previous accidents resulting in claims, this is a major red flag. Speeding tickets, collisions resulting in injuries and DUIs will deem you a high-risk driver with a probability of repeating the offenses. To counteract the risk of insuring such a driver, they will set the cost at a much higher than average.

These are the basic factors used by insurance companies to decide the cost of your premium. Obviously, some factors such as your age, profession, and hometown are fairly difficult to alter on a whim. Other factors are easier to control, including your credit score, driving record and choice of vehicle. Choosing a newer, larger car with a high safety rating can lower your insurance cost significantly. Avoiding traffic misdemeanors and DUIs will go even further to reduce your yearly insurance premium.

If you want to learn more about the factors that affect car insurance rates, and how to get the best deal, don’t hesitate to contact the team at Affordable Insurance in Aurora. We specialize in creating customized insurance plans for drivers on a tight budget. Explore your options with us and see if you qualify for any discounts we offer. Whether you are purchasing auto insurance for the very first time or considering switching from an existing plan, we can help you get the best deal for 2018.

What to Do After a Car Accident

What to Do After a Car Accident Affordable Insurance DenverAt Affordable Insurance, we like to help our clients out in every way possible. Here are some indispensable tips on what to do after a car accident. Just in case it ever happens to you, it is better to know, ahead of time, the best way to react and be more prepared, even when taken by surprise in an automobile accident.

Find a Safe Zone

If the car is still in motion after an accident, try to steer the vehicle to the safest spot, pulling completely off the road and out of traffic whenever possible. That way, if it is unable to move again, you, your passengers, and your car will be out of harm’s way. Turn on hazard lights to signal other drivers of the situation. For larger auto accidents, such as those with injuries or involving several vehicles, it may be best to leave vehicles where they are.  

Exit the Vehicle

Once your vehicle has ceased to move, put it in park with the emergency brake on and turn the ignition off. Try to breathe slowly for a moment before taking the next step. Look around to ensure that it is safe to exit the vehicle before doing so and keep an eye on traffic at all times once you’re out of the vehicle. Put out emergency flares or cones if you have them.

Check on All Involved

Take an inventory of your passengers, the other drivers, and passengers or any pedestrians involved. If anyone states any medical needs or is visibly in need of help, call for emergency services immediately. The sooner help comes, the better.

Call the Police

If no one is injured in the accident, police may not respond by coming to the scene. If they do show up, get a police report started with an officer. Never admit blame but try to objectively recount the events of the car accident for later reference by a judge in your case. If no police arrive, go online to file a report with the DMV as soon as possible.

Information

It is a good idea to write down as much information as you can remember after an accident occurs. Try to gather:

  • Names and contact info for other drivers, passengers, pedestrians, and eyewitnesses
  • Make and model of all vehicles involved
  • License plate numbers
  • Insurance information
  • Location description (sketch a map if you can)
  • Name and badge number of police officer

Also, take photos with your smartphone for later use. Photos can be invaluable in filing your claim for insurance coverage.

File a Claim

Talk to your car insurance company and file a claim. Once you provide all of the information required, your insurer will walk you through next steps.

Hopefully, you will never have to deal with what to do after a car accident. But, in order to be prepared ahead of time, take these precautions:

  • Keep a safety kit inside of your vehicle including water, snacks, blankets, extra clothes, flares, safety cones, etc.
  • Relevant documents should be in a convenient location, including your ID, insurance information, and vehicle registration
  • Make sure that your cell phone is always charged whenever you go out on the road

Thanks for checking out these safety tips on what to do after a car accident. Of course, before you find yourself in a tough situation, come see the team at Affordable Insurance for proper coverage for you and your vehicle. We’ll find the right fit for your budget and needs.

Different Types of Car Insurance Coverage

Different Types of Car Insurance Coverage Affordable Insurance DenverAt Affordable Insurance in Aurora, we know you might need some extra help understanding the different types of car insurance coverage. Here in Colorado, it is essential to have the right type of auto insurance coverage in order to be protected. Unfortunately, many drivers are not fully covered, so it is even more important to make sure that you and your family are!

Here is a brief description of the different types of car insurance coverage:

Bodily Injury Liability

If you or anyone on your policy are in an accident in which the other party is injured or killed, this type of auto insurance will keep you covered. But keep in mind that it only covers people, not property or vehicles. So, you will still need other protection to take care of that end of the coverage spectrum. Additionally, bodily injury liability coverage will provide legal defense in the case that the other party files a lawsuit against you. For this reason, you will want enough coverage to cover the lawsuit costs without jeopardizing your personal assets in any way.

Comprehensive Physical Damage

This type of insurance for your car pays for losses other than that of a collision. Examples of this include fires, flood damage, stolen vehicle, vandalism, and damage by animals. To keep your premiums down, you may consider selecting higher deductibles. However, keep in mind that this coverage includes hail damage. If your vehicle is primarily parked outside (at home and at work), think about how much cash you can come up with for a deductible in case one of our infamous Colorado hail storms completely destroys your car.

Collision Coverage

Collision coverage pays for damage to your car if it is hit by another vehicle or other object, as well as the other party’s vehicle if hit by your vehicle. This is another area of auto insurance where it’s important to find the right balance of deductible and monthly premiums. Keep in mind that coverage is generally limited to the value of the vehicle. So if you own an older car that is worth much less than a new one, you may consider skipping this coverage option.

Personal Injury Protection, No-Fault, or Medical Payments

The injured driver and passengers of your vehicle will be covered under this insurance coverage. Additionally, if injured as a pedestrian, this type of coverage can help.

Property Damage Liability

If your car damages another vehicle or object, property damage liability will come in handy! Also, this protects you with a legal defense in the instance that a lawsuit is filed against you, so be sure to have a decent amount of this coverage in order to protect yourself sufficiently.

Uninsured Motorists Coverage

Uninsured drivers and hit-and-run drivers do not help with car insurance costs, so in the event of either of these circumstances, you will be covered. Some states offer uninsured motorist coverage for vehicles too. And because of a large number of uninsured motorists, better to be safe than sorry!

Knowing the different types of car insurance coverage will keep you and your family better protected in the event of a motor vehicle accident or other scenario involving pedestrians, or local wildlife. Rely on the helpful team at Affordable Insurance in Aurora to get the insurance coverage you need to be covered all year long on every road you travel. Call us today!

Homeowners Insurance and Winter Damage

Homeowners Insurance and Winter Damage Affordable Insurance AuroraToday, Affordable Insurance in Aurora, Colorado offers our tips on dealing with homeowners insurance and winter damage in the Denver metro area. Each season brings different hazards, but winter can be particularly brutal for Colorado homeowners. Heavy snowfall and ice can wreak havoc on your home. It is important to know what kind of damage is typically covered by home insurance and what is left up to the responsibility of the individual.

Keep reading to find out more about what home insurance covers and the process of making a claim. Just remember that every policy is different, and this is just a general guide. Be sure to review your own policy for specifics and contact your provider if you have more questions about your homeowners insurance and winter damage.

Damage Covered by Home Insurance

As we said, to figure out exactly which type of damage is covered by your insurance along with the deductibles, you will need to check your policy. But in general, homeowners insurance will cover some damages caused by winter weather.

Homeowners insurance usually covers direct, unpreventable damages to the structure of your Denver home, due to extreme weather events or storms. This can include hail damage to roofs, trees falling onto houses, accumulated snow causing a roof to collapse and damage caused by high winds. In some cases, burst pipes are also included.

Damage that May Not be Covered

For homeowners insurance and winter damage, remember that coverage is not guaranteed. If it is found that the damages to your home were preventable, your insurance may not have to pay out. For example:

  • A roof that collapses after a heavy snowfall may not be covered if it is proven that the roof was past due to be replaced, or that it had not received the recommended regular maintenance checks.
  • Damages by fallen tree branches will not be covered if the tree had been neglected by the homeowner and knowingly allowed to become a risk.
  • Burst pipes may not be covered if the insurer can show that you did not take steps to prevent the damage by draining or insulating the pipes, or keeping the heating on.
  • If a home is left unoccupied for more than 30 days and damage occurs during this time.

If it is proven that you did not make an effort to protect your home from a damaging storm, your insurer may not be obliged to pay out. In some states, the occupants of a home are legally obliged to clear accumulated snow and ice from their sidewalks within four hours after snow stops falling. Failure to comply with these laws can void your homeowners insurance coverage if a claim is made concerning snow or ice accumulation.

Damage Not Covered by Homeowners Insurance

One specific type of damage that is rarely covered by your home insurance policy is flooding. Flooding is a widespread problem in winter, often caused by an accumulation of ice and snow melting quickly as soon as the temperature rises. Most homeowners insurance policies will specify that damage from flooding is explicitly excluded and that a separate, dedicated flood insurance is required for this type of damage. To lower the risk of flooding, be sure to remove as much snow as possible as it falls, and to clean your gutters and drains out thoroughly before winter. Often, an accumulation of leaves and debris left over from the fall season will obstruct drains and make it more likely for them to overflow and flood your basement.

To Make a Claim or not to Make a Claim, That is the Question

If extreme winter weather conditions damage your home, it is instinctive to want to make a claim on your homeowner’s insurance to cover the cost of repairs. That’s what it’s there for, right?

Before rushing into a debate with your insurance company, first, check the deductibles set out by your policy and compare them to the cost of repairs. If the deductible is very close to the cost of damage, you may be better off paying out of pocket. Each time you make a claim on your insurance policy, the cost of your premium can be expected to rise. You can expect an even sharper increase in premium cost if you make two claims within the same year.

When it comes to homeowners insurance and winter damage, it is best to approach claims strategically. If the savings are minimal, keep the slate clean and your overall insurance costs low. In the case of a major disaster, such as a roof collapse, you can claim for this enormous cost to be covered by the insurance and get the best value from your home insurance policy.

Prevention is the Best Medicine

Taking some steps to protect your home before the winter weather hits can pay off in the long run. Avoid having to deliberate on making a claim or paying for damage out of pocket by preventing them in the first place. Trim overhanging or unhealthy trees every year during the fall. Give your roof a visual inspection for loose shingles or broken flashing and have any repairs done before the snow arrives. Apply weather stripping and caulking around the frames of windows and doors and check for damage on shutters and storm windows.

Drain water from exterior pipes, sprinkler systems, and hoses before the freezing weather sets in. Make sure your gutters, downspouts, and drains are free from blockages. It is a good idea to document this preparation for winter in case you do need to show evidence of maintenance to your insurer to support a claim. Keep all receipts from professional tree trimmers or roofing contractors and take pictures of any preventative maintenance you do. These preventative measures will lower your risk of damage by winter weather and provide a sound basis for making a claim if you end up needing to.

When it comes to homeowners insurance and winter damage, the most important things are to know your policy and take precautions. If you are not sure about the specifics of your policy, or want to make changes to your homeowner’s insurance the next time it comes up for renewal, do not hesitate to contact Affordable Insurance in Aurora, Colorado. We specialize in providing easy-to-understand insurance advice to homeowners across the Denver area.

Need High-Risk Auto Insurance?

Need High-Risk Auto Insurance? Affordable Insurance Aurora DenverWhether you’ve had a serious accident or DUI, you may need high-risk auto insurance. Luckily, Affordable Insurance caters to all types of drivers across Aurora and Denver. We understand that every driver is unique, and the best insurance plan for one driver may not suit the needs of another. Whether an experienced driver with a clean record or fall into the high-risk category, our expert team can help you get the best deal.

Most states require drivers to hold a minimum level of auto insurance. However, some drivers struggle to even obtain basic coverage. Drivers categorized as being “high-risk” face more challenges in finding insurance at an affordable price. High-risk drivers are seen as being more likely to file a claim. This means that the insurance company will have a much higher probability of losing money. To counteract this risk, insurance companies will charge these drivers a much higher premium for basic insurance, and some completely refuse to insure high-risk drivers.

So, how do you know if you need high-risk auto insurance? by If you can answer yes to one or more of the following questions, you may be considered a high-risk driver.

  1. Are You a Teenage Driver?

Newly qualified drivers are seen as high-risk due to their lack of experience. Young drivers under the age of 18 are usually charged at extremely high rates as they are the most likely to take unnecessary risks and end up in accidents. If you are a teenage driver, getting added onto your parents’ insurance policy will be much cheaper than taking out an independent, high-risk auto insurance policy. Premiums may even drop each year 20 as more experience is gained.

  1. Are You a Driver Over the Age of 70?

Older drivers are may also need high-risk auto insurance according to various carriers. As we age, our reflexes slow down, our eyesight and hearing diminish, and we are more prone to mobility issues. All of these effects of aging can compromise our ability to drive safely. For this reason, older drivers may have to renew their driver’s license more frequently, and they may see their premium increase in proportion to the number of candles on their birthday cake.

  1. Have You Been in a Serious Car Accident?

After being involved in a serious accident, even if you were not found to be at fault, you can expect to be penalized when it comes to the price of your car insurance. A serious accident typically results in significant injury or property damage, but the exact definition varies between states. In addition to serious accidents, there are a few serious violations that will instantly put you in the high-risk insurance category. These include driving without a license, illegal street racing and any traffic violation that results in a fatality.

  1. Have You Had a Lapse in Car Insurance?

If you have had a lapse in insurance at some point in your driving career, you will find it more difficult to get a good price on your future auto insurance policies. Driving without car insurance is a huge financial gamble that leaves you open to crippling debt. It is also illegal and punishable by fines and legal penalties. Car insurance companies do not look fondly upon drivers who have delayed renewing their insurance policies. They will certainly place these drivers in the high-risk category and charge them accordingly.

  1. Have You Ever Received a DUI?

One of the most common reasons why you might need high-risk auto insurance is a DUI, one of the biggest red flags a driver can have on their record. Drivers who have received a DUI are statistically more likely to repeat the offense or partake in other high-risk behaviors, causing insurance companies to see them a huge liability. DUI recipients are required to file for SR-22 insurance and pay considerably more for their insurance plans as long as the DUI is on their record (usually at least three years). Some companies may fully refuse to insure SR-22 drivers.

  1. Do You Drive a High-Risk Vehicle?

Driving a high-risk vehicle is reason enough for insurance companies to view you as a liability, even if you have a perfect record. Sports cars and supercars are associated with high-risk driving behavior and more expensive accidents. Exotic cars and collectible or vintage cars do not usually have readily available replacement parts. If these cars are damaged, it will cost a lot to import the replacement parts and find a specialized mechanic to repair them. For this reason, the cost of insurance on these type of vehicle will be much higher than for standard cars.

  1. Is Your Driving Record Littered with Offenses?

Your driving record is the easiest way for an insurance company to analyze your future risk. If you have a history of frequent traffic violations, you may need high-risk auto insurance. Going a little too fast on the freeway may not seem too serious, but if your speeding tickets, minor accidents and traffic violations begin to add up, it does not paint a good picture of you as a driver. Insurance companies can get access to your record going back at least five years, so it pays off to be a careful driver with a clean record.

These are the most common reasons why insurance companies label a driver high-risk. If you have been categorized as a high-risk driver, it’s not the end of the world. You’ll have to pay more for your insurance premium the next time you renew your policy, but if you maintain a good driving record, you can eventually qualify for standard insurance.

If you are still unsure of whether you need high-risk auto insurance or not, our team of experts can help you. At Affordable Insurance in Aurora, Colorado, we specialize in getting drivers the best deal on their car insurance, even if they are categorized as high-risk drivers. For the past 20 years, our friendly team has been helping drivers save money by designing personalized insurance packages. For a free, no-obligation quote, simply visit our website today.

Auto Insurance Considerations When Buying a New Car

Auto Insurance Considerations When Buying a New CarAt Affordable Insurance, we help our customers work through auto insurance considerations when buying a new car. In the excitement of upgrading a vehicle, it can be easy to forget about the insurance. When researching potential new cars, it is important to take into account the possible changes in insurance cost that may arise. The insurance policy used to cover one car may not be suitable for a different car. Before switching, always consult with your insurance provider to make sure you have sufficient coverage for the new vehicle and that the policy does not include unnecessary charges.

When buying a new car, there are typically two options. The driver can switch their existing policy over to their new car, making any adjustments necessary in coverage options and cost, or they can find a different auto insurance provider and take out a completely new policy. Each case is unique, so it is up to the driver to research their options and make the best decision for themselves. It is always a good idea to compare the cost of your policy with quotes from other insurance companies.

Even if you are not planning on changing vehicles anytime soon, comparing prices once a year will ensure you are always getting the best deal!

Changing the type of vehicle you drive will affect the cost of your premium, making this one of the top auto insurance considerations when buying a new car. Vehicles that are cheaper to insure are usually lower priced, practical vehicles with good safety features. Luxury vehicles, sports cars and anything unusual with hard-to-get replacement parts will be more expensive to insure. If you are making a big change in the type of car you drive, expect a significant change in insurance cost. Many auto insurance providers are currently offering discounts on hybrid cars. This is an incentive for drivers to choose the eco-friendly option with the added benefit of being easier on the wallet.

Remember to budget for a possible increase in insurance cost when considering a new car. When upgrading your vehicle, you are not only paying for the expense of the new car. You need to be able to afford the actual car and the insurance premium that goes with it. Getting quotes on insurance when you are selecting a new car may help you to make your final decision.

When investing in a brand-new vehicle, it is wise to understand auto insurance considerations when buying a new car, such as taking out gap coverage insurance since the value of a new car starts to decrease the moment it is driven off the lot. If you are taking out a loan or leasing the vehicle, gap insurance will protect you in case your car is involved in a serious incident and totaled before you finish paying for it. Gap insurance covers the difference between the loan amount and the actual value of your car at the time of the accident.

If you are planning on buying a new car as an addition to your household’s vehicles, and not as a replacement, you may be able to take advantage of multi-vehicle insurance discounts offered by some insurance companies. When children reach driving age and acquire their own cars, it is usually much cheaper to add-on the new car to an existing policy. This way you can benefit from multi-car discounts and get a much cheaper rate than is offered to teenage drivers insured by themselves. Young drivers are typically the most expensive to insure regardless of the type of vehicle they drive.

Driving a car without insurance is illegal, as well as very risky. Before you drive your new car off the lot, it is your responsibility to confirm that you have valid insurance coverage. If you choose to stay with your current insurance provider and simply transfer your existing policy to the new car, you will need to contact your insurance company to notify them and confirm any necessary adjustments. A new car may require mandatory comprehensive or collision coverage if you are taking out a loan to pay for it. When you provide the vehicle information of the new car to your insurance company, they will be able to help you with any adjustments.

If after shopping around you decide to change insurance provider and take out a new policy, remember to work out the details of your policy before you purchase the car. Organizing this well in advance means you will not be hit by any unexpected costs once you pick up your new vehicle. Confirm the exact end date of your old policy and the start date of your new policy before picking up your new car and taking it for its first spin. Assuming you are covered is a risk just not worth taking, especially with a brand-new car.

At Affordable Insurance, our aim is to give drivers flexibility and affordability when it comes to their car insurance. We believe that every driver has the right to solid and reliable auto insurance. For both new and experienced drivers of all types of vehicles, we can work to deliver a customized insurance policy that suits your needs and fits your budget. Our team has over 20 years of experience in the insurance industry and a passion for impeccable service. Without using confusing jargon and technical terms, we can make sure our customers know exactly what they are getting from their insurance plan and how to make any necessary adjustments when it comes time to change vehicle.

When changing vehicles, you cannot forget to take into account the potential changes in your insurance policy. The type of vehicle, the age of the vehicle, as well as your driving history and credit score are some of the most influential factors affecting the cost of your yearly premium. Remember to shop around and look out for multi-car discounts and insurance incentives for eco-friendly hybrid vehicles. Shop smart and remember these auto insurance considerations when buying a new car to avoid excessive insurance costs. For more help on finding low-cost auto insurance in Colorado do not hesitate to contact your local insurance experts at Affordable Insurance.

Is Summer Driving More Dangerous than Winter Driving?

Is Summer Driving More Dangerous than Winter DrivingAt Affordable Insurance, we’re often asked, is summer driving more dangerous than winter driving? Most drivers will say that winter conditions are much more hazardous for driving than the easy breezy days of summer. While it’s certain that snow and ice on the road in winter can make traction difficult and visibility worse, most road accident fatalities occur during the summertime according to studies by the National Highway Traffic Safety Administration.

There are a number of factors that contribute to this surprising statistic. The overconfidence of drivers may come into play during the summer months. With clear roads and excellent visibility, it can be tempting to go over the speed limit, especially on long, straight highways. As we all know, the higher the velocity at the time of a car accident, the more severe the resulting damage.

Hot weather instantly increases the likelihood of a tire blowout and can exacerbate other problems with your car. Radiator failure and overheating the engine is more likely during the summer. It is important to keep up to date with regular maintenance of your vehicle as summer approaches. Otherwise, you could be the victim of an unexpected car failure. If this happens at the wrong moment, it can be hazardous.

In addition to affecting vehicles, increased temperatures can also have an impact on drivers. Hot weather makes it much easier for a driver to get dehydrated quickly. Falling asleep at the wheel is also more likely in warm conditions and on long monotonous journeys. Any alcohol consumed can have a more intense effect when under the conditions of high temperatures and dehydration. Drivers should be proactive in staying sober, keeping hydrated and taking rest breaks while driving in summer.

Summertime means schools are out and you are more likely to encounter young drivers on the roads. Young drivers are categorized as very high risk and more likely to be involved in collisions. Many teenagers learn to drive during the summer, and they cannot be expected to be faultless drivers straight away. It is important for more experienced drivers to be patient and to leave a very generous following distance behind learner drivers.

With school vacations in full swing, drivers also must be prepared to share the roads with more pedestrians and cyclists, many of them being children. There are also more motorcyclists out during the summer. Remember to be extra cautious and leave sufficient space for cyclists, motorcyclists, and pedestrians to easily pass. Good weather means more sports played outside and the possibility of stray balls and frisbees sending kids running out onto the roads. Be especially careful when driving around residential areas during the summer.

Road construction has to be completed at some point, and usually, it’s done during the summer months. This can cause drivers some inconveniences with temporary road closures and partial blocking. It is important for drivers to follow the signals given by road workers and co-operate, especially when all traffic must go through one lane. Road construction sites are a hotspot for fender benders, crashes, even injuring a worker. There are high penalties involved, so remember to slow down and be patient.

Another hazard of summer driving is the vacation traffic. This issue depends on your location, but if you live in a vacation town or near an airport, you may experience a dramatic increase in traffic congestion as hundreds of tourists set off on holiday. For residents of tourist destinations, this can be especially frustrating. Drivers coming in from out of town are often disoriented, tired, and more likely to get into accidents when lost and going through unfamiliar junctions.

For many people, the sunny days and balmy nights of summer mean BBQs, bonfires at the beach and all-night parties. The good weather and relaxed atmosphere of summertime are never an excuse to drink and drive. Whether you are attending a 4th of July picnic or a block party, you cannot give in to the temptation to drink if you plan on driving by yourself or with others. Decide on a designated driver well in advance or arrange alternative transportation. A DUI can severely impact the cost of your insurance and is not worth risking anybody’s safety.

Unexpected weather is the final risk factor of summer driving that we will mention. In some areas of the country, Colorado especially, summer is the season for intense hailstorms. These storms can cause severe damage to vehicles and make driving very dangerous. If caught in a bad hailstorm, drivers should pull over and wait for the worst of the storm to pass before continuing their journey.

Rain showers that occur during the summer after a long dry spell can often create difficult driving conditions. When water mixes with the build-up of grease and dirt, a slippery layer is created on the road, making it very easy for vehicles traveling at high speeds to lose traction and hydroplane. Drivers should look out for changing weather conditions and react appropriately by reducing their speed.

Returning to the original question, is summer driving more dangerous than winter driving? We can categorically state that yes, when measured by road fatalities, driving in the summer is more dangerous than driving during any other season. It is up to drivers to be aware of the particular hazards presented by summer driving and to take the correct precautions. Keeping your car well maintained, looking out for pedestrians, cyclists, and new drivers and having patience will certainly help! Also, be sure to review your insurance policy as well to make sure you’re properly covered for whatever the summer brings.

Now that you know the answer to is summer driving more dangerous than winter driving, get in touch with Affordable Insurance in Aurora. For over 20 years we have been helping drivers to carefully analyze their habits, vehicle type, and driving record to determine the most suitable insurance plan for them. When it comes time to renew your auto insurance policy, allow us to create a personalized insurance package that works for you and keeps you covered all year long.

Can You Guess the Most Common Car Insurance Claims?

Can You Guess the Most Common Car Insurance Claims?Can you guess the most common car insurance claims? Affordable Insurance of Aurora, Colorado has put together a list of the 10 most common incidents leading to car insurance claims, and the results may surprise you!

The average person will be involved in a road accident once every six years. The majority of these incidents are classified as mild fender benders, with minimal damages and injuries. Knowing the most common causes for claims can help you when it comes time to choose your car insurance. 

  1. Chipped Windshields

Loose pebbles on country roads or debris from another vehicle frequently cause minor impacts on windshields. Chips and small cracks in windshields fall into the category of damages covered under comprehensive insurance. In the case that the glass is reparable, your insurance company will typically cover the cost of repair completely and waive the deductible. If a complete replacement of the windshield is required, a deductible will apply. 

  1. Rear-end Collisions

Rear-end collisions are very common and are almost always the fault of the driver in the rear. This type of accident occurs when the driver in front comes to a stop at an appropriate place, such as a stop sign or traffic light, and the driver behind them fails to stop quickly enough and hits them from behind. Rear-end collisions can result in whiplash injuries to either party and of course, damages to both vehicles from the impact. Your collision insurance covers costs incurred from damages to your vehicle. 

  1. Backing Accidents

Backing accidents often occur in parking lots, when two cars are backing out of their spaces simultaneously and collide. They can also happen between one car that is backing out of a space and another that is driving through the parking lot. It can be difficult to determine which driver is responsible for such an incident. Witness reports and an investigation may be required to decide which driver’s insurance will pay for the damages. Collision coverage covers this type of accident. 

  1. Vandalism

Vandalism to your vehicle includes graffiti, being keyed, broken into, parts damaged or removed. Some instances of vandalism can include interference with parts of your vehicle such as the exhaust pipe or gas tank, were damaging substances or objects are introduced. Comprehensive coverage includes vandalism, but it is usually up to the vehicle owner to pay a deductible unless they can identify and sue the vandal. 

  1. Total Theft

Cars are sometimes stolen to be used in crimes such as robberies and drug trafficking. For the best chance of retrieving your car, report it as stolen as quickly as possible and co-operate with law enforcement. If your vehicle is stolen and never found by police, comprehensive coverage can pay the replacement value. If the rate of car theft is high in your state, consider investing in comprehensive coverage. 

  1. Intersection Accidents

Intersection accidents are unfortunately quite common and can be severe, causing significant damage, serious injury, and fatalities. This type of collision usually results from one driver running a red light or failing to yield the right of way when turning left. Depending on the speeds involved, the accident may lead to minor damage or a completely totaled vehicle. The liability insurance of the driver at fault will cover the cost of medical expenses and damages suffered by the other driver. 

  1. Parked Car Damage

Parked cars that are hit, scratched or dented by adjacent car’s opening doors can be claimed under collision coverage. The person with a moving vehicle at the time of the accident is always at fault, even if the stationary car is parked illegally. Damaged caused by a hit-and-run collision to a parked car can be claimed under uninsured motorist coverage in some states. 

  1. Single Car Collisions

Single car collisions are very common in adverse weather conditions or when the driver is drunk. This type of accident involves just one vehicle that either collides with an object like a tree or stop sign or runs itself off the road. In single car collisions, the driver often completely loses control of the car. Collision coverage can cover the damages to your car if it hits a wall or other object. 

  1. Hail Damage

In some parts of the country, including Colorado, hail damage should not be underestimated. From April to August, drivers in Colorado should try to avoid driving in hail and store their car in a covered area. Hail stones can leave indentations on the bodywork of the vehicle and chip or crack the glass. A vehicle can be totaled if caught in a bad hailstorm. Damages from hail or other weather conditions can be claimed for under comprehensive insurance.

  1. Multiple Vehicle Accidents

Multi-car pileups often happen in areas of heavy traffic. Unlike a simple rear-end collision, it’s difficult to assign responsibility to an individual driver when there are many vehicles involved. if one car in a traffic jam accidentally rear-ends the car in front, they can end up causing a domino effect with consecutive impacts between tightly packed vehicles. Collision coverage and liability coverage of the driver, or drivers found responsible will cover the damage in this case.

These are the incidents resulting in the highest number of auto insurance claims across the country. Some are minor accidents that are almost inevitable for drivers to experience at some time or another. Others are more dangerous and can have a high risk of fatality. To lower your risk of incidents drive with caution, always expecting the unexpected from other drivers and avoid driving while tired or under the influence. An insurance policy adapted to your risk factors will give you the best protection if you do experience an accident.

After reading about road mishaps, you have your answer to the question, can you guess the most common car insurance claims? You should also have a better idea of what you may experience over your driving career. And if you want to make some adjustments to your current policy or learn more about the options available to you, don’t hesitate to contact Affordable Insurance. With over 25 years of experience in the insurance industry, we can help Colorado drivers find reliable insurance options that suit their budget.

Understanding Car Insurance Coverage Options

Understanding Car Insurance Coverage OptionsAs a driver, understanding car insurance coverage options is crucial. At Affordable Insurance in Aurora, we give our customers all the information they need to make the best decisions for their future. Nobody expects to get into a collision or to suffer damages to their car, but it happens to thousands of drivers each day. Investing in the right insurance plan for you and your vehicle will give you peace of mind. If the worst should happen, you can relax knowing that your insurance company has you covered.

There are a number of different types of auto insurance that you can take out to protect your vehicle. The following options are designed to pay for those costs incurred when your vehicle is damaged in various situations. They do not cover damages caused to the vehicle of another person. For example, if you are involved in a collision with another car, you will need liability insurance that can cover the cost of damages to the other car. Liability insurance will also cover the medical bills of a third party injured in the collision. If you or your passengers are injured in an accident, it is your medical payments coverage that will take care of medical costs.

Collision Coverage

The main vehicle coverage options available to drivers are called collision coverage and comprehensive coverage. Collision coverage is pretty self-explanatory. It covers the costs of damages incurred to your car when you experience a crash or traffic accident. In addition to collisions with other vehicles, this coverage can also be applied if you collide with a signpost, fire hydrant, wall or other objects. If you opt for this type of insurance, you can select the deductible that works best for your budget. A deductible is the amount of money you are willing to pay out of pocket for damages before the insurance takes over. A higher deductible will result in a lower premium cost.

Comprehensive Coverage

Comprehensive insurance will compensate you for damages caused by a whole range of different situations. These include natural disasters such as floods, hurricanes, and damages from wildlife. Theft and vandalism of your vehicle are covered by comprehensive insurance, as is fire damage and damage from falling objects. Depending on the insurance company and the area, hail damage can also be included in this coverage. The cost of this type of insurance can be influenced by where you usually park your vehicle. Those kept in a secure garage can be charged significantly less.

Collision and comprehensive insurance are almost always optional, whereas the law usually mandates liability and medical coverage. Choosing collision and comprehensive insurance is worthwhile if you value your vehicle. Often as part of a car loan or lease agreement, you will have to purchase collision and comprehensive insurance. This is a condition set out by the bank so that they do not lose money in the event that your vehicle is destroyed or stolen before you have finished paying for it.

Emergency Road Service Coverage

Towing and labor coverage, also known as emergency road service insurance, will cover the costs of emergency road assistance if your vehicle breaks down. Getting stuck by yourself on the highway is never fun. If your car suffers a mechanical breakdown, a flat tire or runs out of gas, you can call the tow truck without worrying about exorbitant costs. Getting help if your car is snowed in or after locking the keys in the car, are some other possible situations that can be covered by this type of insurance. It will include the immediate assistance and transportation of you and your vehicle to a mechanic, but it will not cover extensive mechanical repairs.

Mechanical Breakdown Insurance

Mechanical breakdown coverage is similar to the extended warranties offered by some car dealers. It will cover the cost of repairs to your vehicle for a range of different mechanical issues. Usually, maintenance work or repairs resulting from normal wear and tear are not covered. For example, new tires to replace your old, worn ones will not be covered by this insurance. It is only applied when there is a real mechanical malfunction. Every provider does not offer this type of insurance, so it’s best to speak to your car insurance company to find out if it’s available to you.

Gap Insurance

If you are currently leasing your car or paying off a car loan, you should consider gap insurance. In the case of your car being declared a total loss while you are still paying for it, this insurance will reimburse you the value of your vehicle at the time of the loss. The insurance company will use your comprehensive or collision coverage payout to cover the difference between what you still owe on the car and its current fair market value. This means you will never be stuck continuing to pay for a car that you no longer have.

Custom Parts and Equipment Coverage

For drivers that have invested in upgrades and extra features for their vehicles, custom parts and equipment coverage could be very worthwhile. The value of any after-market modifications is usually ignored by your insurance company when it comes time to reimburse you for your losses. To protect your specially installed engine parts, stereos, cosmetic alterations and custom lights or body work, you will need this specific insurance coverage.

These are all the main types of vehicle coverage options you are likely to encounter. Depending on your priorities and risk factors, it may make sense to invest in some of these types of insurance over others. If you live in an area with frequent natural disasters and freak weather, comprehensive insurance makes sense. If you often drive on isolated back roads, then emergency road service coverage may give you some peace of mind. If you have invested a lot into personalizing your vehicle, it may be worth it to take out custom parts and equipment insurance.

Now that you understand car insurance coverage options available to you, please do not hesitate to contact Affordable Insurance in Aurora for a personalized quote. We know how important it is to have your vehicle fully protected in the event of damages or a traffic accident. With the right insurance on your vehicle, you won’t be hit by unexpected repair costs or a long, inconvenient time without your car.