Affordable Insurance Blog

Within the pages of our insurance blog you’ll find helpful articles and interesting insights about everything that’s related to insurance.

Home insurance claims

Reasons an insurer might deny your replacement roof claim

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…
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Multi car insurance discount

Your car insurance dropped you, now what?

If you fail to pay your premium, make unapproved modifications, or get involved in fraud, your insurance provider may drop you. However, driving around without insurance coverage is illegal, and if you get involved in an accident, you’ll have to pay out-of-pocket for damages. Luckily, you can apply for auto insurance coverage again if your…
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car accident car insurance

Understanding liability

Auto insurance generally comes as a package of protections. One part of the package, required by most states, is liability insurance. What exactly is this? If you are responsible or cause an accident while driving, you may be required to pay for or, in legal terms, be “liable” for damages. If an accident occurs, you…
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Car insurance

Car insurance is more than paying premiums

When you purchase car insurance, you’re required by your insurance provider to pay a premium for your policy. However, auto insurance is more than simply paying your premiums. It involves careful selection of the right policy to guarantee coverage in case of an accident or theft. For instance, if you solely choose collision insurance, don’t…
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Need car insurance

Don’t let these 3 reasons hold you back from getting car insurance

Auto insurance is a contract that you draft with your insurance company to cover you in the event of theft or an accident. Despite its importance, some car owners don’t have quality car insurance, and even when they do, they go for the lowest coverage. If you’re one of these individuals, don’t let these three…
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new car insurance

Auto insurance 101: common questions

Many drivers have limited knowledge about auto insurance when they set up their policies. Parents often make insurance arrangements for teenagers. Some adults only focus on the main coverage points and premium savings. These drivers eventually start asking questions: Why do my personal demographics matter so much? Teens usually exhibit riskier driving behaviors than older…
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need car insurance Affordable Insurance Denver

Benefits of uninsured/underinsured motorist coverage

All Colorado drivers are required to carry auto insurance, however, not everyone follows the rules. Even those who have car insurance may choose the lowest limits required by law to save money, which may put you at risk. Protect yourself against unexpected accident expenses by adding underinsured/uninsured (UIM/UM) motorist coverage to your policy. UIM/UM coverage…
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Need car insurance

Remember to keep your proof of insurance handy

When you purchase auto insurance, you will be sent documents which prove that you are covered. Remember, it is very important to keep this with you when you are driving as most states require a driver to show proof of car insurance when stopped by the police. Several other states will simply ask for your…
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car accident

Do you need collision insurance?

Collision insurance is not required by law. However, it can be an important component of your auto insurance package. The damage caused by collisions can be expensive to repair, and you may not wish to pay for it yourself out of your own pocket. Knowing your insurance needs is the key to making the right…
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new home need insurance

How to save money on homeowner’s insurance

Protecting your home doesn’t need to cost a fortune. Here are a few ways to lower the costs: Assess your home value properly. The land your house is built on isn’t at risk from theft, fires, etc.. Make sure to consider the value of the at-risk aspects of your property. Get your auto and home…
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DUI SR22 car insurance

Are you a high-risk driver in need of auto insurance?

If you are, then it can seem an almost impossible task to find the coverage you need at a price that you have even a chance of affording. There can be a variety of circumstances which have led to your being considered a high risk driver. These include… Being involved in one or more auto…
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need car insurance Affordable Insurance Denver

4 ways to save money on auto insurance

Having auto insurance ensures you can protect yourself from unforeseen circumstances, such as accidents. However, if you’re not careful, your auto insurance can be expensive, especially for teenagers and first-time drivers. Here are four ways you can save money on your auto insurance. Avoid filing unnecessary claims – this can raise your premiums Get quotes…
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