car insurance increase
car insurance increase

What’s Fueling Colorado Car Insurance Rates?

Colorado drivers are likely asking themselves “why are my car insurance rates going up?”

Startling insurance loss trends are emerging that put Colorado in the top ten states for growth in insurance claims and costs to pay those claims.

Coloradans are now starting to see those skyrocketing costs add up to higher insurance premiums and they want to know why. Some quick facts to help you better understand Colorado’s volatile auto insurance marketplace, along with potential solutions that would benefit all Colorado drivers.

Bottom-line: There are more auto accidents and each accident is more likely to end up in costly…

Colorado drivers are likely asking themselves “why are my car insurance rates going up?”

Startling insurance loss trends are emerging that put Colorado in the top ten states for growth in insurance claims and costs to pay those claims.

Coloradans are now starting to see those skyrocketing costs add up to higher insurance premiums and they want to know why. Some quick facts to help you better understand Colorado’s volatile auto insurance marketplace, along with potential solutions that would benefit all Colorado drivers.

  • Bottom-line: There are more auto accidents and each accident is more likely to end up in costly litigation.
    • Colorado ranks 4th in the U.S. for growth in number of auto insurance damage claims filed since 2013 with the 2nd highest increase in collision repair costs. Colorado insurance companies recorded a loss of nearly 18% on physical damage in 2014 (Source: Fast Track Monitoring).
      • Traffic fatalities increased 24% from 2014 to 2016 (Source: CDOT).
    • Colorado’s damaging hailstorms cause millions of dollars in damage annually. September 2014 recorded the state’s 4th most costly hailstorm, a July 2016 Colorado Springs hailstorm resulted in the 6th most costly and 2009 the most expensive hail season with $1.4 billion in insured losses (Source: RMIIA).
    • Colorado’s “Lawsuit Tax.” It’s no coincidence that every time you turn on the TV, radio or see an RTD bus or train pass by there is another trial lawyer ad promising you that suing your insurance company will win you more money than the lottery. Unfortunately, due to Colorado’s lawsuit laws that may be true, but insurance companies aren’t the only ones paying. All Colorado drivers ultimately foot the bill for an out-of-control system pushing insurance costs and rates higher. Marketplace drivers like legislative mandates that incentivize lawsuits and exorbitant jury awards are key cost drivers. Colorado Auto Insurance

Fact Sheet: http://www.rmiia.org/downloads/Auto%20Insurance%20Marketplace.pdf 

Ask your Colorado State Legislators to support and VOTE YES on these 4 Colorado auto insurance reform bills:

  • SB-181 “Phantom Medical Costs”: allows Colorado juries to have access to both billed and actual paid amounts for medical care to make more informed and fair settlement judgments. Juries are currently only allowed to see astronomical medical bills initially charged, but never actually paid to treatment providers. These “phantom costs” dramatically drive up damage awarded by the courts.
  • SB-182 “Uninsured Motorists’ Double Dipping”: allows for an offset with combined coverage in a claim, so when med pay is initially paid by your insurer for medical bills that amount would go toward the total amount of a UM/UIM claim, rather than creating a situation where the settlement is more than limits paid for and creating a double dipping coverage situation. The bill would also no longer allow drivers to “stack” all the uninsured motorist policies in their household to collect multiple coverage for one uninsured motorist claim.
  • SB-191, “Market-based Prejudgment Interest”: Colorado law mandates insurers pay 9% interest on lawsuit awards. Given that most investments don’t provide a return of 9% such a high statutory interest rate creates incentive to file a lawsuit and a disincentive to settle a lawsuit. This bill ties judgement award interest to a market-based index to reflect current economic conditions.
  • “Protection Against Vendor Lawsuits”: disallows third party vendors, such as roofers, auto body repair shops from stepping into shoes of insureds, without their knowledge or permission, to sue insurance companies under a contract that is with the policyholder. Settlements represent at least double damages and attorney fees—legal costs that are passed on to all consumers.

During the past five years, premiums collected by insurance companies can’t keep up with skyrocketing claim costs—costing all Colorado auto insurance consumers higher premiums.

Information & Resources: Property Casualty Insurers Association of America www.pciaa.net

Rocky Mountain Insurance Information Association www.rmiia.org

auto theft insurance
auto theft insurance

Get to know your Vehicle Insurance


Vehicle Thefts – The Pitfall of the Mile High City

While the city of Denver has plenty talking points to brag about, apparently vehicle theft is not one of those points. According to the National Insurance Crime Bureau, the Mile High city ranks in the top 10 on the list of metros for auto thefts with keys. This means that while most of us would think it logical to always lock our car doors, many of us are not doing so. In fact on a nationwide basis, one out of every eight car thefts last year occurred where a …


Vehicle Thefts – The Pitfall of the Mile High City

While the city of Denver has plenty talking points to brag about, apparently vehicle theft is not one of those points. According to the National Insurance Crime Bureau, the Mile High city ranks in the top 10 on the list of metros for auto thefts with keys. This means that while most of us would think it logical to always lock our car doors, many of us are not doing so. In fact on a nationwide basis, one out of every eight car thefts last year occurred where a car was left unlocked or the keys or key fob was left inside the vehicle.

The Growing Statistics of Auto Thefts

According to the latest report from the NICB, auto thefts with keys have been a growing issue over the past several years – increasing by 31 percent – with thefts spiking in the fall and winter months. This number could possibly be on the conservative side too, considering that many people will not admit to leaving their cars unlocked or keys inside the vehicle. Even the best anti-theft technology will not help if your car is left unlocked. Thus it is not just important to having your car locked but also having a good vehicle insurance coverage that will come in handy at the most needed time of auto theft.

Below is the list of top ten metro areas for most vehicle thefts with keys from 2013-2015:

1. Las Vegas-Henderson-Paradise
2. Detroit-Warren-Dearborn
3. Atlanta-Sandy Springs-Rosewell
4. Miami-Fort Lauderdale-West Palm Beach, Fla.
5. Philadelphia-Camden-Wilmington
6. New York City-Newark-Jersey City
7. Los Angeles-Long Beach-Anaheim
8. Dallas-Fort Worth-Arlington
9. Denver-Aurora-Lakewood
10. Cleveland-Elyria

Prevention is better than Cure: The same applies to your Vehicle Insurance

Depending on your vehicle insurance, you may be covered in the case of auto theft. However, it is important to review your policy to be sure. Checking your vehicle insurance policy to make sure that valuable items stolen from the vehicle are covered by the policy could be a starting  point. Aside from securing the right insurance coverage, What else can you do?

Here are a few tips that can avert you from being a victim of Auto theft:

• ALWAYS lock your car, and take all keys with you – a small slip will cost you much.
• Set the car alarm always -you never know when it will come in handy.
• Keep any personal information locked up in the glove box – or take it with you when you leave the car.
• Never leave your car running unlocked. This can be tempting during the winter months, but it only takes a few seconds for a new driver to take your place.

Call Insurance Town & Country today and speak with one of our insurance professionals. We can discuss the needs of your teenage drivers and which insurance policies are best for them. 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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Winterize Your Insurance
Winterize Your Insurance

Winterize Your Insurance

Winterize Your Insurance

While our warm fall weather doesn’t make it seem real, winter is just around the corner. With winter, comes winter weather – ice, snow, and the inevitable cold air that can bring a bite to the holidays. Living in Colorado brings several options on how to handle the cold. You can either huddle up by the fireplace with some hot cocoa or bundle up in your best winter gear and brave one of the various outdoor adventures Colorado offers.

Winter Activities are here.

Regardless of your chosen winter activities, now is a good time to re-evaluate your …

Winterize Your Insurance

While our warm fall weather doesn’t make it seem real, winter is just around the corner. With winter, comes winter weather – ice, snow, and the inevitable cold air that can bring a bite to the holidays. Living in Colorado brings several options on how to handle the cold. You can either huddle up by the fireplace with some hot cocoa or bundle up in your best winter gear and brave one of the various outdoor adventures Colorado offers.

Winter Activities are here.

Regardless of your chosen winter activities, now is a good time to re-evaluate your current insurance policies to be certain that you, your home and your belongings are protected during these cold months.

Homeowners Insurance & Liability Coverage. Whether its heavy snow fall, frozen pipes, or slippery sidewalks – winter is bound to deliver unpredictable weather that can lead to accidents and mishaps. Talk with your insurance agent today to be certain that the policies you have in place will protect your home and the guests you welcome into it.

Recreational Vehicle Insurance. Time to stow away the boat and dust off the snowmobile. Typically, both of these vehicles are not covered under standard home and auto insurance. If your current policy does not extend to recreational vehicles, it is important to secure additional coverage. If you’re tempted to cancel the boat insurance for the winter, you may want to think again. Any threats of theft, damage or repairs still exist during the off-season, and you’ll be sure to want your insurance coverage if those threats become a reality.

Fire Insurance. While most homeowners insurance will provide coverage for your home and belongings in the event of a fire, it is a good idea to know exactly how much coverage your policy provides and what coverage it doesn’t. You don’t want a cozy night around the fire to turn into a homeowner’s nightmare.

avoid the teen driving drama

Call Insurance Town & Country today and speak with one of our insurance professionals. We can discuss the needs of your teenage drivers and which insurance policies are best for them. 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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Be Smart About Homeowner Expenses
Be Smart About Homeowner Expenses

Be Smart About Homeowner Expenses

Be Smart About Homeowner Expenses

It’s a moment that many adults look forward to: securing the keys to your very first home. Owning your dream house (or at least your very own starter house) can quickly turn into a nightmare if you haven’t done the proper research in advance. In addition to the bottom-line cost of the house itself, there can be several unplanned expenses that will add on to your initial homeowner’s debt. Below are some of these costs to consider when planning to make your home truly a sweet home.

Closing Costs. These can include different …

Be Smart About Homeowner Expenses

It’s a moment that many adults look forward to: securing the keys to your very first home. Owning your dream house (or at least your very own starter house) can quickly turn into a nightmare if you haven’t done the proper research in advance. In addition to the bottom-line cost of the house itself, there can be several unplanned expenses that will add on to your initial homeowner’s debt. Below are some of these costs to consider when planning to make your home truly a sweet home.

Closing Costs. These can include different fees such as title insurance, legal work, and inspections. Being aware of these costs and working with your realtor to negotiate the details may help to save you thousands of dollars before you sign on the dotted line.

Homeowners Insurance. Just like your auto insurance, home insurance is a monthly fee that helps to cover the cost of unexpected events like robberies, weather damage, or other unforeseen disasters. Depending on the value and specific characters of your home, your home insurance costs will vary.

Taxes. One of the guarantees in life: taxes. In the case of a homeowner, they are expected to pay property taxes that will help cover some costs of living within the community in which they reside. These will vary depending on location and available town amenities.

HOA Fees. Depending on your residence, there is a chance your house is a part of a Homeowners Association. Knowing these monthly fees ahead of time can save you some headache when the monthly bills arrive.

Utility Costs. Electricity, gas, propane, water, trash and sewage – all possible add-on’s to your cost of living. These too are generally monthly payments, and they can vary depending on the house. Be sure you understand the structure of your house and its utility demands before closing on your contract.

Be Smart About Homeowner Expenses

Once you’ve made you purchase decision, call Insurance Town & Country for your insurance needs today and speak with one of our insurance professionals. 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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avoid-the-teen-driving, teen driving
avoid-the-teen-driving, teen driving

Avoid the Teen Driving Drama

Avoid the Teen Driving Drama

For the parents of teenage children, the joy of September’s “Back to School” can also bring with it the fears of having your teen hit the highway. It’s a milestone that both parent and child look forward to: the day when your child is old enough to drive. No more carpooling for Mom. No more chauffeur duties for Dad and the seemingly unrestricted freedom for child.

However, that freedom definitely comes with responsibility, and as a parent it is important to discuss such responsibility with your child. Even with the best insurance policy, coverage can …

Avoid the Teen Driving Drama

For the parents of teenage children, the joy of September’s “Back to School” can also bring with it the fears of having your teen hit the highway. It’s a milestone that both parent and child look forward to: the day when your child is old enough to drive. No more carpooling for Mom. No more chauffeur duties for Dad and the seemingly unrestricted freedom for child.

However, that freedom definitely comes with responsibility, and as a parent it is important to discuss such responsibility with your child. Even with the best insurance policy, coverage can only go so far. Having an open, honest, and informed conversation is the best way to get your teen driver to maturely embrace their new driving independence.

Privilege vs. Right. While it’s a normal “rite” of passage for many sixteen year old to get their driver’s license, it is definitely not a guaranteed “right.” To obtain your license, let alone have a car to drive, is indeed a big privilege that not all young adults are privy too. It is important that your child does not take this for granted.

Real Talk. While people love to refer to their automobiles as “toys” – they are anything but. The cause of over 30,000 deaths per year, a car can be a dangerous luxury and should be treated with the utmost respect and responsibility. It’s important to remember that car insurance can only go so far to protect you in the chance of an accident.

Mutual Understandings. The “Rules of the Road” are meant to be followed. Period. Whether it’s speeding, texting while driving, drunk driving, or even “distracted” driving – discussing with your teen the expectations and, perhaps most importantly, the consequences of these rules is necessary for both preparing and protecting your child.

Have a Little Faith. You’ve prepped, warned, and maybe even (slightly) shocked your child about what it means to obtain their driver’s license. Now it’s time for you to trust your child. Trust that you’ve taught them well. Trust that they’ve listened. And trust that will develop into both mature drivers and mature people.

avoid the teen driving drama

Call Insurance Town & Country today and speak with one of our insurance professionals. We can discuss the needs of your teenage drivers and which insurance policies are best for them. 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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Protect your Rental
Protect your Rental

Protect Your Rental

Protect Your Rental

When you own a home, you protect your property and belongings with homeowners insurance. But what if you rent the space you reside in? Is it still not your home? Do you not want your property and belongings still protected? Renters insurance is a good way to ensure that your place of residence (even if temporary) and the items within it are covered in the case of unexpected damage and mishaps.

Depending on your insurance agency and the current insurance policies you already have in place, you may be able to include renters insurance as an add-on. …

Protect Your Rental

When you own a home, you protect your property and belongings with homeowners insurance. But what if you rent the space you reside in? Is it still not your home? Do you not want your property and belongings still protected? Renters insurance is a good way to ensure that your place of residence (even if temporary) and the items within it are covered in the case of unexpected damage and mishaps.

Depending on your insurance agency and the current insurance policies you already have in place, you may be able to include renters insurance as an add-on. By bundling it with a car insurance policy, you may qualify for an extra discount.

Why Renters Insurance?

As with every home – owned or rented – accidents can happen at any time. Having the right renters insurance can protect your abode and everything in it. Purchasing renters insurance will help to protect and cover the follow items:

Personal Belongings & Household Items. Your home isn’t just the walls and roof that protect you; it’s the item inside as well. Clothes, furniture, electronics, and personal mementos are all items that renters insurance will help to protect. Policies vary, but generally you are reimbursed for the full value of the item, before depreciation.

Houseguests and Loved Ones. Aside from yourself, renters insurance works to protect anyone staying in your home at the time of the accident. If people are hurt or damage is done, your renters insurance policy may cover portions of medical bills and repair. Your insurance will also bring peace of mind during this time.

Extended Stay Costs. If your home is rendered uninhabitable, due to a covered cause of loss, your renters insurance will cover the cost of a hotel. While any damage is being repaired, lodging and the cost of meals can be covered under your policy.

protect your rental Just because you don’t own it, doesn’t mean it’s not yours! Protect your home and belongings with renters insurance. Call Insurance Town & Country today and speak with one of our insurance professionals. We will discuss your current living situation and help to assess your homeowners or rental insurance needs. 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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back-to-school insurance quotes
back-to-school insurance quotes

Back-to-school insurance quotes

Open Lowry article – Published by: Living Well in Lowry by neighbors, for neighbors (serving Lowry since 2002) This article is a transcription from the Lowry newsletter by www.jewelcommunications.com Insurance Town and Country: Denver’s Family Owned Insurance Broker

As a homeowner or business owner, it’s rarely a favorite topic to discuss. It’s hardly ever the first thing you like to spend your money on, and at the same time it’s always a good idea to buy some. We’re talking about insurance.

Joan Burkett, owner of Insurance Town and Country, says, “It’s the thing you hate to buy, but you’ll love the fact that you …

  • Open Lowry article – Published by: Living Well in Lowry by neighbors, for neighbors (serving Lowry since 2002)
  • This article is a transcription from the Lowry newsletter by www.jewelcommunications.com

Insurance Town and Country: Denver’s Family Owned Insurance Broker

As a homeowner or business owner, it’s rarely a favorite topic to discuss. It’s hardly ever the first thing you like to spend your money on, and at the same time it’s always a good idea to buy some. We’re talking about insurance.

Joan Burkett, owner of Insurance Town and Country, says, “It’s the thing you hate to buy, but you’ll love the fact that you have it when something happens.”

Residential Umbrella InsuranceInsurance Town and Country is a family-owned insurance business serving us in the town (Denver Metro area) and those in the country, specifically the Castle Rock area, since 1997. They are an independent insurance broker business that can shop more than 25 companies to find the best rate for your personal situation.

Back in 1983, Joan’s husband Norman begged her to get licensed so she could help run his insurance office in Kittredge. She really didn’t want to at first because she didn’t think it was her thing. At the same time, she knew her husband was quite the sales guy and she had a knack for explaining things to people. Maybe Norm was on to something after all?

The following decade or so proved to be trying at times, but kept Joan and her family on their toes as they rode out the ups and downs of various agencies and insurance firms. Joan is a firm believer in God and she believes everything happens for a reason. “While insurance is not my passion, it helps fund my passions. I’m truly blessed with this opportunity to support myself and help my community.”

Joan joined forces with her middle son Jeremy in 1997, and shortly thereafter Norman passed away in 1999. Joan and Jeremy’s partnership became a blessing in disguise for her while they both mourned his loss. Jeremy wasn’t easily convinced to join the insurance business either, but it didn’t take long for them to become the perfect business partners. Jeremy’s dream at the time was a career in the NFL. After two years with the New York Giants, though, he returned home with his Mom to get things started. “it’s easier on his knees, ” jokes Joan.

How is Insurance Town and Country different from other agencies?

“Well, someone will always answer the phone! There’s no 800 number here, it’s personal and we care. Nicole, our account manager, is amazing! If I could clone her, I would,” explains Joan.

When you visit Joan and Jeremy for the first time, they’ll give you a broad brush review of your individual situation. “We look to see how we can save you money. We can help you understand your current coverage by explaining what you already have. And, sometimes, we even assure you that you’re best off staying put where you are.”

Now that summer vacation is almost over, some of you will be sending kids off to college and taking an inventory of your current policies.

Here are some things Insurance Town and Country can help you evaluate this fall.

Did you know if your child goes to college more than 100 miles from home and does not take a car, you can save money?

denver insurance choicesHave you considered insuring your child’s big-ticket items that he or she is taking to college?

  • When we went away to school, we may have taken a record player, or a stereo and microwave, but kids today take flat screen TC and laptops.

Do you understand your healthcare plan? 

  • It’s no secret that the current healthcare system is very difficult for the average person to understand. Let Insurance Town and Country help you navigate the paperwork to determine what you’re really covered for.

When was the last time you reviewed your coverage and/or your insurance carrier?

  • Joan and Jeremy encourage you to review your policies every three years (not sooner). It’s always a good idea to see how your life and needs change over time, but don’t change providers too often. The next guy might decide not to cover you at all, or you could lose valuable renewal credits.

Have you recently gotten married?

  • You could save 20% on your insurance by combining your policies under one company.

How can you pay just one deductible the next time it hails?

  • Make sure your home and auto is on one policy so the next time we have a major story, you only make one claim and pay one deductible for the repairs.

“Yes, insurance companies can be difficult, but you have to be at a place where you can trust your agent and your insurance company. Insurance is not simple so who you choose for an agent does matter. We are invested in getting you a good deal and we want you to have a good claim experience,” explains Joan.

Insurance Town and Country provides a level of customer service and personal care that the larger companies simply  cannot. While it’s not a buttoned-up office, it’s Colorado-casual by design. They’re approachable and they understand the broad range of their clients, from the young to old.

“We’re small enough to know your name, but we’re big enough to meet your needs,” explains Joan.

For more information on Insurance Town and Country, visit www.insurancedenver.net, or give them a call at 303-388-7216.

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Life Insurance Protecting Your Priorities
Life Insurance Protecting Your Priorities

Life Insurance: Protecting Your Priorities

Life Insurance: Protecting Your Priorities

No one enjoys thinking about the inevitable fate that awaits us all. However, the thought can be less daunting knowing that your loved ones will continue to be cared for after you are gone. With the right Life Insurance, your beneficiaries will be provided with both long-lasting financial security and peace of mind. Your Life Insurance policy can help to pay for unexpected expenses such as funeral costs, housing payments, medical bills, education, and even prior debt. Helping your family maintain their current lifestyle and ease their financial worries is the primary intention of Life …

Life Insurance: Protecting Your Priorities

No one enjoys thinking about the inevitable fate that awaits us all. However, the thought can be less daunting knowing that your loved ones will continue to be cared for after you are gone. With the right Life Insurance, your beneficiaries will be provided with both long-lasting financial security and peace of mind. Your Life Insurance policy can help to pay for unexpected expenses such as funeral costs, housing payments, medical bills, education, and even prior debt. Helping your family maintain their current lifestyle and ease their financial worries is the primary intention of Life Insurance.

Know the Difference

Term Life: Typically the simplest and least expensive insurance option, Term Life Insurance provides coverage at a fixed rate for a specified period of time.

Whole Life: As the most common type of permanent insurance, a Whole Life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings.

Universal Life: Designed to be more flexible than other permanent Life Insurance, Universal Life policies still guarantee a death benefit for the duration of the policy as well as savings that accumulate cash value.

Of course knowing that Life Insurance is an important decision, Insurance Town & Country is here to help you walk through the process and understand the different policies. Depending on various factors, your individual policy will be different than your neighbor’s. Just like your other insurance policies, your life insurance policy will vary depending on how much coverage you need, the duration of your policy, how much you can pay on a monthly or annual basis, and even your age and condition of health. In addition to understanding the different types of Life Insurance, it is important to discuss with your local insurance agent Individual vs. Group Life Insurance, Long Term Care Insurance, Mortgage Protection Insurance, and Disability Insurance. All of these aspects of Life Insurance will be important in keeping your family protected.

Life Insurance Protecting Your PrioritiesCall Insurance Town & Country today and speak with one of our insurance professionals. By discussing your current life situation and the future needs of your family, we can help to determine the Life Insurance policy that is best for you. 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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Ways of Taking Care of Car Business
Ways of Taking Care of Car Business

Taking Care of Car Business

Taking Care of Car Business TRUE or FALSE:

Get as many auto repair estimates as possible.

Sometimes true, sometimes false! This one depends on your insurance. Some insurance companies only require that you use an “in-network” auto repair shop. However, if you know you will be paying out of pocket, it won’t hurt to shop around for a good deal.

In a previous blog, we discussed some “TRUE or FALSE” statements that we recommend reviewing when purchasing auto insurance. Since the health of your car plays an important role in automotive insurance and the rates you receive, we thought we …

Taking Care of Car Business

TRUE or FALSE:

Get as many auto repair estimates as possible.

Sometimes true, sometimes false! This one depends on your insurance. Some insurance companies only require that you use an “in-network” auto repair shop. However, if you know you will be paying out of pocket, it won’t hurt to shop around for a good deal.

In a previous blog, we discussed some “TRUE or FALSE” statements that we recommend reviewing when purchasing auto insurance. Since the health of your car plays an important role in automotive insurance and the rates you receive, we thought we would elaborate on the topic of finding a good mechanic.

Whether your insurance requires an “in-network” repair shop, or you have to do your own homework, you want to make sure your mechanic passes the test. Below are some traits to ensure that your auto repair shop is a good choice:

  • Best interest at heart. Does your mechanic or auto technician have a true concern for your car and you? A good repair shop will make sure that all diagnostic tests, repairs, and services are clearly and properly communicated before any work is done. Talking with them in person is a great way to meet their personality and see how they treat you as a customer.
  • Price consideration. We understand that auto repair shops have to pay their own bills, but it shouldn’t be at the extreme expense of you and your vehicle. Any repairs suggested should be directly related to the health and safety of your vehicle. If you feel like you are being pressured or upsold on everything, you might want to take your car somewhere else.
  • A job well-done AND guaranteed. Any good auto repair should be honest with what they are good at…and honest about what they are not good at. A reliable mechanic will communicate with you about all diagnostics and repairs, even if it means suggesting another automotive business.
  • Certified work. While not always required, it is a good idea to check the certifications and trainings of your auto mechanic. These will show whether or not your repair shop is current with continued education and development, and whether or not your vehicle is in good hands.
  • Ways of Taking Care of Car BusinessCall Insurance Town & Country today and speak with one of our insurance professionals. We can help you review your policy as it pertains to the health and safety of your vehicle! 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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    keep_calm_and_save_money
    keep_calm_and_save_money

    Keep Calm and Save Money

    Keep Calm and Save Money

    We’ve all heard the saying “A penny saved is a penny earned” – but sometimes it’s almost impossible to think about savings when most of your earnings are already accounted for. If bills, rent, student loan debt, credit cards, and the like are exhausting all of your current income, putting any amount into savings may be the last thing on your mind.

    But, what happens when your car suddenly needs an emergency repair? Or your beloved pet gets sick and has to be rushed to the ER? Or what if your comfortable salary gets cut …

    Keep Calm and Save Money

    We’ve all heard the saying “A penny saved is a penny earned” – but sometimes it’s almost impossible to think about savings when most of your earnings are already accounted for. If bills, rent, student loan debt, credit cards, and the like are exhausting all of your current income, putting any amount into savings may be the last thing on your mind.

    But, what happens when your car suddenly needs an emergency repair? Or your beloved pet gets sick and has to be rushed to the ER? Or what if your comfortable salary gets cut in half? These are the unfortunate moments when any amount in savings (small as it may be) will help to prevent you from going even further into debt.

    Regardless of any other debt, it is important to start building a buffer of savings, ideally enough to cover several months of living expenses. Start small, even a few dollars can build up over time.

    Just Get Started. It’s important to do your due diligence first. This means setting a budget that includes paying yourself. Determine how much you can realistic set aside from every paycheck. Whether it’s $2 or $200, it needs to be an amount that you can stick to. It helps to automate this process too! If your savings is removed before you even see your paycheck, it will eliminate the temptation to spend.

    Under the Mattress is Not a Good Place to Save! If you are making the effort to create a budget and set aside some cash, you want your money to work for you as best as possible. Instead of a low-interest savings account, save your cash in an account that earns at least 1% in interest. Keep an eye on monthly maintenance fees and FDIC insurance. It’s also a good idea to keep this savings account in a bank that is separate from your checking account. This will prevent constant visibility and further temptation.

    Be Sure with Insurance. Once your savings process is under control, it’s a good idea to review the rest of your expenses. Your emergency fund can only go so far. Various insurance policies – auto insurance, homeowners insurance, renters insurance, etc. – can help protect you and your family without draining the bank.

    SAVE MONEYCall Insurance Town & Country today and speak with one of our insurance professionals. We can review your current insurance policies and make sure they fit with your current budget and life needs. 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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