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Auto Insurance Insurance Insurance Payment

How Do Your Savings Stack Up?

Are You Sure Your Getting The Right Insurance Payment

How Insurance Payment WorksAccording to a survey by the Independent Insurance Agents and Brokers of America, about 20% of drivers just might be paying too much for car insurance. With the various driving discounts that are out there, how do you know if you are getting the savings you deserve?

While it is best to consult with the team at Insurance Town & Country, here are a few starter questions to ask yourself when reviewing your own policy:

Tips On How Insurance Payment Works.

  • How many vehicles do I own? Being a multi-vehicle owner could lead to more savings. Insuring your boats, motorcycles, or RVs and other toys with the same insurance payment company you have your auto insurance with can potentially help you cut down on costs.
  • Can I pay in one lump sum? If you can afford to pay your auto insurance in full, you might get a break on the final bill versus sticking to the standard monthly payments.
  • Can “going green” make me some green? Depending on the agency, opting for paperless billings may lead to even more savings. In addition to saving a tree, you might also be saving a few dollars.
  • How loyal am I? If you’ve been with the same insurance payment company for a while, you may see the benefits in extra perks and added savings.
  • Are my kids making the grades? Many insurance companies reward teen-drivers for being good students. Additionally, if your child’s good grades got them into college (and not driving your car as often), there’s a chance you can still get that discount.

Call Insurance Town & Country today and speak with one of our insurance professionals. We can help with a policy review to determine which rates and discounts are suited for you and your family. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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    Auto Insurance Insurance Motorcycle Insurance Motorcycle Quotes

    MOTORCYCLE SAFETY

    Motorcycle Insurance

    While Denver’s recent blizzard did not bode well for motorcyclists, the city’s 70 degree days will soon return, and with it, motorcycle riding season. When the snow clears and the streets are dry, will you be ready with the proper coverage to get back on your bike?

    Regardless if you are a new rider or you’ve been cruising for years, it is important to make sure you have the insurance you need. What’s protected? Do you need liability insurance? Will damages to your bike be covered?

    Here are a few tips to help you feel confident in your insurance decision and make those long rides much more enjoyable.

    Choosing Your Coverage:Motorcycle Insurance for Reckless driving

    • Depending on the state in which you live, you may be required to have liability insurance. This would cover you if your motorcycle caused a wreck resulting in injuries or property damage for another driver. Insurance Town & Country can help you determines the requirements for Colorado drivers.
    • The liability limit chosen should be similar to that of your motorcycle insurance, allowing for like deductibles and a maximum amount the insurance company will pay.
    • In addition to liability limits, you may need to include Collision and Comprehensive coverage. This will help protect your motorcycle in the event of an accident with another vehicle or incidents like fire and theft.
    • Make sure your deductible is an amount that you can afford.

    Motorcycle Insurance for Custom Parts

    • Make note of any custom work or additional accessories that you have added to your bike. You’ll want to make sure that your motorcycle insurance includes these items in your coverage.

    Roadside Assistance

    • Insurance Town & Country can help you determine whether or not this assistance is needed. If long rides are your thing, it might nice to have that extra help in your back pocket, just in case!

    Call Insurance Town & Country today and speak with one of our insurance professionals. We can offer more tips and help ensure you have coverage for life on the road! We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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      Auto Insurance Insurance

      Tips for Buying a Used Car

      Buying a used car these days is a great cost-saving option for many car shoppers.

      buying a used car cheap car insuranceIt allows drivers the chance to own a reliable vehicle without paying full sticker cost of a brand new car. However, it is important to look into all details and inquire about any potential problems to ensure your money is being well spent.

      Below are a few questions to ask before purchasing your new USED car:

      • Previous damage? Make sure you ask about any prior accidents or flooding and the extent of any damage. Any mismatched paint or body parts, missing bolts or uneven welding, and DIY engine compartments are all “red flags” that something might be amiss. Also, be certain that the VIN (vehicle identification number) from the vehicle title matches vehicle itself.
      • Documentation of maintenance records? The previous owner should be able to provide information and even records of any work done to the vehicle.
      • Vehicle history report? Most dependable sellers will already have this available for you. If not, you can easily go to carfax.com or www.autocheck.com, provide the vehicle’s VIN, and purchase the report yourself. Past owners, previous damage, mileage and title history can all be found on the vehicle history report.
      • Who is the seller? Classified ads and Craigslist-types can offer a better value sometimes, but they also can also be deceitful or unlicensed. Look for reused phone numbers within other ads (sign of an unlicensed broker) or check out other customer reviews. If you are buying from a car dealer, check with the Better Business Bureau. Doing your research ahead of time could save you from later headaches.
      • Has it been inspected? Request that a professional mechanic or body shop(one that you trust) inspects the vehicle in and out. They should be looking for any previous repairs or potential issues with the vehicle.
      • Cost of insurance? Before you make the purchase, call Insurance Town & Country to ask about cheap car insurance. How much will it cost? Do you have the right coverage? Make, model, age and condition of the vehicle can all determine your final car insurance cost. Make sure you have the one that suits your needs best.

      Call Insurance Town & Country today and speak with one of our insurance professionals. Let us help you chose the auto insurance that suits your vehicle, new or used! We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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        Auto Insurance Commercial Auto Insurance Insurance Travel Insurance

        Car Rental 101

        We’ve all been there. Standing at the counter, keys in hand, ready to sign off on your rental car and begin the next leg of your journey, but then you hear it…

        Would you like to purchase insurance with your rental car today?”

        How do you respond? Do you absolutely need the insurance? What’s the worst that could happen? Here are a few quick tips to help you through this decision.

        • Check with Insurance Town & Country before you leave for your trip. Your current automotive insurance might already have you covered through your liability and physical damage coverage. Save time, money and the hassle of determining whether or not you need the additional coverage.
        • Ask your credit card company. Depending on the credit card you have, you might have free rental insurance included. Situations vary, but it can’t hurt to ask!
        • If you do decide to purchase the insurance offered, be sure you know what is covered. Keep a copy of your paperwork handy, and make a point of reading the fine print. Purchasing the insurance without knowing the coverage is just as bad as needing the rental insurance and not having it.

        Follow these few steps, and be confident the next time you are at the rental car counter.

        Call Insurance Town & Country today and speak with one of our insurance professionals. Let us help you chose the auto insurance that suits your vehicle, new or used! We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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          Auto Insurance Insurance Personal

          Weather Hazards in High Country while having Drive in Snow

          Winter Driving help

          Be prepared for hazards you may not see

          Drive in SnowWhile most of us are enjoying the early onset of spring here in Denver, the weather conditions in the high country can be unpredictable during this time of year. The chance of extreme winds, pelting rain, and blinding snow is constantly knocking at the door most especially while having a drive in snow. Even the most experienced drivers can be tested by Mother Nature’s power during a winter storm.

          In order to protect yourself, your passengers, and all vehicles on the road, we suggest these simple tips when driving in fickle mountainous climates:

          • Keep an Emergency Kit on hand. This should include at least the basics of a blanket, boots, shovel, flashlight, and some nonperishable food items.
          • Don’t slam on the brakes. Use a “toe tapping” approach when you are planning to stop or turn, especially if the roads are wet or icy.
          • Maintain a steady speed. No need to stop suddenly or speed up too quickly.
          • Stay the course if you are skidding. Your “locked” wheels will take the lead; follow this lead. Do not steer away or try to brake.

          Despite your best efforts, an accident may still occur while on a mountain trip. If you find yourself in a crash, keep in mind the following action steps. These will help to keep everyone safe while on a drive in snow and assist in letting Insurance Town and Country work through any necessary claims.

          • Don’t stress. While it may be natural to get worked up, or even start thinking irrationally, it is important to stay calm and maintain composure. Stay at the scene (but out of the way), and be sure to utilize your warning lights or road flares to alert other drivers.
          • Call 911. This is a job for the professionals. Let them do what they do best.
          • Reach out to Insurance Town and Country ASAP. Letting your insurance company know about the accident immediately will help speed up any possible resolutions.
          • Maintain innocence. Keep any ‘blame game’ comments limited to your conversation with the police and your automotive insurance company.
          • Obtain contact information. Be sure to exchange names, phone numbers, and even email addresses with any other drivers or witnesses involved.
          • Take photographs. Pictures are very useful when a claim is being settled.
          • Verify the other driver’s insurance is in effect. You can do this by calling the # on their ID card.

          Call Insurance Town & Country today and speak with one of our insurance professionals. Let us help you navigate the hazardous roads of life and work to keep your insurance costs down. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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            Auto Insurance Insurance

            How to Avoid Distracted Driving

            Making the most of our drive time, killing two birds with one stone, being efficient. However, you want to label it, most of us want to think we excel in the area of multi-tasking while driving. We may answer a quick text, have a sandwich to-go, or allow our favorite furry pet to “safely” sit on our laps. Despite the confidence in our driving skills, it’s these types of distracted driving tactics that lead to about half a million driving accidents per year — and ultimately higher auto insurance rates.

            Driving While Distracted, or “DWD,” is anything that keeps you from having both hands on the wheel, obstructs your eyesight, or diverts your attention from the task at hand — driving. As our lives get busier and technology gets more complicated, it is easy to fall into the trap of practicing bad DWD habits. However, there are some simple ways to help you avoid these habits and keep your driving clear of distractions:

            Distracted DrivingTURN OFF THE PHONE. (To avoid distracted driving)

            Don’t just silence it. Don’t just set it on the passenger’s seat. Regardless if you are holding a phone or using a hands-free model, the simple act of talking on the phone can delay your reaction time. In addition, most of us are guilty of texting and driving, which according to the Federal Motor Carrier Safety Administration, is even more dangerous. In the 4.6 seconds it takes us to send that text message, our vehicle has traveled the length of a football field. That’s a lot of players, coaches, cheerleaders, and fans that could potentially get in the way. Your incoming messages can wait. Like John Travolta says in “Be Cool”… when you’re important – people will wait. Your life is important!

            PUT DOWN THE BIG MAC.

            At one point in our driving tenure, most of us have used our steering wheels and laps as tray tables, while simultaneously trying to balance our Super Sized beverage cups in the center consoles. Add to that the art of eating a burrito while not staining your dress pants, and you have a disturbingly vivid example of Driving While Distracted. Save the fast food for your dining room table, and save us all from a mistake behind the wheel.

            PUT THE CAR IN PARK.

            With in-vehicle GPS systems and the iPhone map features, there rarely comes a time anymore when we need to pull out an old school paper map roadmap. However, if the destination has changed or you took a wrong turn, there might be the need to recalculate. If this happens to you, find the nearest exit, pull into a parking lot, and readjust your GPS as needed. Staring at the screen while driving will do no good if you never make it your destination.

            KEEP FIDO IN HIS CAGE.

            You wouldn’t keep your baby on your lap while driving, so why would you allow your furry friend to do so? Aside from the obvious potential danger that you are putting your pet in, the movement of your four-legged passenger (even in the backseat) is highly likely to be a distraction. Secure your pet and you will secure your driving.

            Insurance Town & Country is here to help. Talk with one of our insurance professionals and learn how a clean driving record could help lower your auto insurance rates. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251). Call us today to schedule your consultation, and… you to stay safe on the road!

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              Auto Insurance Insurance

              SMART AUTO INSURANCE SHOPPING

              SMART AUTO INSURANCE SHOPPING

              business insurance denverWe all know that buying a car is a big deal. The first step is generally surface level decisions — make, model, color. After that, it is important to think about what’s “under the hood” — price, gas mileage, features.

              But don’t stop there.

              It is also important to consider the cost of auto insurance into your total budget. Every driver needs it, and there are no short of options out there for buyers. Insurance Town and Country can help. Below are some topics to consider when you are doing your auto insurance homework.

              Types of Auto Insurance

              • Liability Coverage — This will pay for damage to other vehicles or injuries to other people that have been caused by you.
              • Physical Damage Coverage — This will pay for you damage to your vehicle.

               

              Amount of Coverage

              • Every person is different in their driving needs. Some may only want the bare-minimum coverage, while others want insurance coverage for just about every one of life’s roadside surprises. The state you live in will determine the amount of minimum coverage required. From there, it will be up to you to consider your own budget, lifestyle and comfort level to determine which auto insurance suits your needs.

               

              Rate of Coverage

              • This will be based on several factors, including information about your vehicle and previous driving record. Let Insurance Town and Country give you very competitive auto insurance quotes in Denver. Depending on your personal driving information, we will be able to help determine the appropriate level of coverage and rates for your lifestyle.

               

              Insurance Town & Country is available to help you make informed decisions regarding your auto insurance. Our experienced business insurance and insurance professionals will help you consider your options and assist you in selecting the coverage that’s right for you. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation for business insurance, and let there be one less thing to worry about when you’re buying a car!

               

               

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