Affordable Insurance Blog

Did you know that in Colorado, drivers are required to have insurance on their mopeds or scooters? Most of the time, a motorcycle insurance policy can be used for these other forms of transportation. In addition to making sure your bike is protected, don’t forget about the special equipment that goes along with riding a…

Gap insurance is an optional coverage that could benefit you if your car is a total loss and you owe more than the car’s current value after being involved in an accident. It is not a stand-alone insurance policy. Rather, it is intended to be used with an existing collision and/or liability policy. Another term…

If you have recently bought car insurance, you might be wondering what it will cover. Luckily, most polices cover all forms of damage to your vehicle from collisions and other accidents. However, it almost never will cover normal wear and tear, and there can be loopholes in accident protection. Therefore, it’s important to make sure…

Do you need renter’s insurance? If you rent your residence, the answer is a resounding “yes”. You no doubt have personal property in your rented home. Renter’s insurance covers that. Furthermore, your landlord may even require it in some states. It also provides liability coverage, generally up to or over $100,000. If you’re away from…

Evert state’s regulations are different on exactly what is mandatory for car insurance. Car owners in Colorado are required to carry the following in liability coverage in order to legally operate the vehicle on Colorado roadways: Bodily injury or death coverage of $25,000 for any one person involved in an accident; Bodily injury or death…

There can be a variety of reasons why you might find it difficult to obtain car insurance coverage at an affordable price. Ask yourself the following questions… Has your license ever been suspended? Have you been convicted of multiple moving violations? Do you have a record of receiving speeding tickets? Have you been involved in…

We’re going through stressful times. This can mean important actions, such as renewing home insurance, can be neglected. Financial shortages can lead to this being seen as less of a priority. However, with winter arriving, the deteriorating weather conditions are just one reason why home insurance is so vital. Damage to your property is increasingly…

Most homeowners understand that insurance companies don’t cover damage caused by normal wear and tear and natural aging of structural materials. Yet, you might not have realized that the following can also result in a denial: Waiting too long to submit the claim Insurance companies require that you file your claim and initial statement within…

In the majority of states, you are required to have auto insurance when you drive. If you are caught driving without insurance you can face a fine, a suspended license, time in jail, or some combination of the three. If you find yourself in an accident and do not have insurance, you may be liable…

Liability insurance is a required part of auto insurance policies because it is mandated by law. This is because many car accidents may involve serious injury or costly property damage or both. If you are at fault, then you are liable by law to pay for the damages. That’s where liability insurance comes in, to…

Nowadays, people seem to be instantly categorized, rather than being treated as an individual. This is why it can be difficult to organize auto insurance. If you are simply seen as one of the people who are assessed as ‘high risk’ or ‘those who have had their license suspended’ then many insurers simply walk away.…

Insurance companies typically only replace roofs if a natural or man-made accidental event caused severe damage. Insurers deny claims for the following reasons: The damage is from deterioration related to natural aging and wear-and-tear. You failed to provide proof that you appropriately maintained your roof every year via inspections and repairs. You didn’t inform your…