Tag Archives: Auto Insurance Denver

Summer Motorcycle Safety

Protecting Your Noggin

Helmet and gloves hanging from handle bars

I remember getting the opportunity to ride on the back of my grandpa’s motorcycle for the first time as a child. Traveling quickly and close to the ground without any walls or doors was such an exhilarating experience! I also remember the helmet that squished my cheeks right into my nose and eyes. At the time, I just giggled because I felt like a chipmunk, but now I understand better. That helmet was not suitable for the size of my head (which has always been pretty large) and wouldn’t have protected me as well in an accident.…

Protecting Your Noggin

Helmet and gloves hanging from handle bars

I remember getting the opportunity to ride on the back of my grandpa’s motorcycle for the first time as a child. Traveling quickly and close to the ground without any walls or doors was such an exhilarating experience! I also remember the helmet that squished my cheeks right into my nose and eyes. At the time, I just giggled because I felt like a chipmunk, but now I understand better. That helmet was not suitable for the size of my head (which has always been pretty large) and wouldn’t have protected me as well in an accident.

Motorcycle helmets come in many different shapes and sizes because everyone has a unique noggin. Whether you like to hit the road with a sport bike or cruiser, scooter or moped; taking care of the most delicate part of your body is an essential part of preparation. Here’s a list of four things to consider when purchasing a DOT approved helmet:

But wait, what’s a DOT approved helmet?

I’m so glad you asked! According to Leather Up, the Department of Transportation (DOT) assesses each helmet by placing it on a head form that’s equipped with sensors. The helmeted head form is then dropped from a specific height onto a steel anvil, and the severity of the impact is recorded. These standards are important because they outline the minimum requirements all motorcycle helmets must meet, which has already saved countless lives. However, if you would like to get a helmet that has been tested impartially and will provide more protection, SNELL has you covered.

 

    1. Type of bike

      Adventure touring? Cruiser? Sport bike? Generally, adventure bikers prefer using modular helmets which allow you to raise the face shield, while cruiser riders enjoy a half-shell helmet and sport bike riders like a full face helmet that will provide great all-around protection.

According to the CDC, more than 41% of operator and passenger fatalities could have been prevented with proper helmet usage.

  1. Size/Shape of head

    There’s more to a properly-fitted helmet than just one that can slide onto your head! Check out this article from Helmet Check for an in-depth description on how to determine your head shape, size, and preference.

  2. Helmet features

    It’s important to find a properly-fitted helmet so the three to four pounds of weight are distributed evenly around your head and shoulders to reduce neck strain. Consider also whether you would like additional features like integrated sunshade, wind reduction, and communication technology.

  3. Price

    How much are you willing to pay? Generally speaking, price does not necessarily reflect quality or safety, but rather the materials used and the number of features. Good helmets can range anywhere between $40 and $900, so make sure you budget accordingly.

No matter what helmet you decide to wear, make sure you are wearing one, because your safety is number one!

Fun Auto Purchase Ideas…What is a bug worth?

It’s so easy to love a bug. Check out our new value guide

Last July we told you about a new way we’re engaging with members over our shared love of cars: a resource we call the Hagerty Make/Model Price Guide. Our newest guide is all about the VW Beetle. At a time when cars were being built for power and pride, the Beetle made a huge statement by being small and driving slow. And that’s where the fun began.

Our valuebug-value guides were made using the Hagerty Valuation Tools®. It’s easy for you and members to use these …

It’s so easy to love a bug. Check out our new value guide

Last July we told you about a new way we’re engaging with members over our shared love of cars: a resource we call the Hagerty Make/Model Price Guide. Our newest guide is all about the VW Beetle. At a time when cars were being built for power and pride, the Beetle made a huge statement by being small and driving slow. And that’s where the fun began.

Our valuebug-value guides were made using the Hagerty Valuation Tools®. It’s easy for you and members to use these tools to help when quoting Nationwide/Hagerty insurance and to keep track of how values change over time. Use it to engage and retain classic-owning members.

See the VW Beetle guide » 17_oct_hpg_beetle

Ready to discuss auto insurance options for you or your business? Contact our team today at our Denver office at 303-388-7216 or our Castle Rock office at 303-688-1251. You can also send us a message any time and we’ll get back to you as soon as possible.

Auto Insurance Tips for the Collector Car Market

Take advantage of the collector car market that’s killing it

In the midst of the fall season, the “upper middle” market (cars valued between $250,000 and a million) continues its long slowdown. This year, only six of the 10 upper-middle vehicles Hagerty® inspected at public auctions sold, down from eight out of 10 in 2015. At this year’s Amelia Island’s Concours d’Elegance, 60% of vehicles were auctioned for less than current Hagerty Price Guide values.

But there’s another market that’s killing it right now: entry-level collector vehicles (valued at $50,000 or less). Nearly 85% of entry-level vehicles Hagerty inspected at public …

Take advantage of the collector car market that’s killing it

In the midst of the fall season, the “upper middle” market (cars valued between $250,000 and a million) continues its long slowdown. This year, only six of the 10 upper-middle vehicles Hagerty® inspected at public auctions sold, down from eight out of 10 in 2015. At this year’s Amelia Island’s Concours d’Elegance, 60% of vehicles were auctioned for less than current Hagerty Price Guide values.

But there’s another market that’s killing it right now: entry-level collector vehicles (valued at $50,000 or less). Nearly 85% of entry-level vehicles Hagerty inspected at public auctions sold this year, up from 75% two years ago, while only 20% of these vehicles sold for less than current Hagerty Price Guide values.

This translates to a huge opportunity for agents. Many members own “fun” cars (including cars from the ’80s, ’90s and 2000s) in addition to their daily drivers, most of which are insured on a standard auto policy. Protect the cars they love properly by placing them where they belong – on a collector car policy – and you’ll build loyalty and retention.

Ready to discuss auto insurance options for you or your business? Contact our team today at our Denver office at 303-388-7216 or our Castle Rock office at 303-688-1251. You can also send us a message any time and we’ll get back to you as soon as possible.

See a sampling of “fun” cars we protect »green-car

Auto Insurance Frightful Facts from Christine

10 things that won’t kill you to know about Christine

Stephen King tachristineught us some important lessons as he ascended the throne and took his rightful place as America’s most prolific author of horror and supernatural fiction. You know, things like: don’t play any pranks on Carrie, never stay at The Shining‘s Overlook Hotel (“Here’s Johnny!”), and for goodness’ sake, tread lightly when dealing with a 1958 Plymouth Fury named Christine.

King takes the classic tale of boy meets girl to frightening heights when a geeky teenager named Arnie falls head over heels in love with a red Plymouth …

10 things that won’t kill you to know about Christine

Stephen King tachristineught us some important lessons as he ascended the throne and took his rightful place as America’s most prolific author of horror and supernatural fiction. You know, things like: don’t play any pranks on Carrie, never stay at The Shining‘s Overlook Hotel (“Here’s Johnny!”), and for goodness’ sake, tread lightly when dealing with a 1958 Plymouth Fury named Christine.

King takes the classic tale of boy meets girl to frightening heights when a geeky teenager named Arnie falls head over heels in love with a red Plymouth Fury with a sketchy past. Christine falls hard for Arnie, too, which would be roses if it weren’t for one tiny detail: the car is a killing machine with a long memory and a short fuse. Moral of the story: Never underestimate the fury of a Fury that just… won’t… die.

As we hand out Halloween candy to all the miniature ghosts and goblins out there, here’s a little something for the big kids – 10 things you may not know about the original Christine movie.

Click to see and share the full list »

Commercial Insurance Auto Accident
Commercial Insurance Auto Accident

The Basics of Commercial Insurance

Right Coverage for your Commercial Insurance

As a business owner, it is important to ensure all aspects of your company are insured.

Addressing these concerns and the need for insurance early on can potentially save you a few bucks and prevent additional worry.

Determining the kinds of coverage you need is the first step. Professional liability? Worker’s compensation? Commercial insurance? Chances are that if you own a business and have a vehicle that is used for work purposes, you or your company will need to carry commercial  insurance. Since this type of insurance can be vital to your business, you …

Right Coverage for your Commercial Insurance

As a business owner, it is important to ensure all aspects of your company are insured.

Addressing these concerns and the need for insurance early on can potentially save you a few bucks and prevent additional worry.

Determining the kinds of coverage you need is the first step. Professional liability? Worker’s compensation? Commercial insurance? Chances are that if you own a business and have a vehicle that is used for work purposes, you or your company will need to carry commercial  insurance. Since this type of insurance can be vital to your business, you will want to work with an independent agent who can help you determine the best protection for your company, taking into consideration both industry and size of the business.

Below are a few tips to help you find the agent that will help you find the right coverage:

Commercial Insurance Auto Accident

  • Unbiased is Best! An independent agent represent several difference insurance companies, allowing them to compare and contrast several different package options for your company’s needs. As opposed to a captive agent–who only represents one insurance company–an independent agent can be more flexible, finding the best fit for your business.
  • Go World Wide – on the Web. Visiting the website of a larger insurance company can provide further insight to available coverage options. From there, look locally for an agent close to home.
  • Ask Around. It’s quite probable that fellow business owners or professional acquaintances are using insurance agents for the same reason you need to use them. Ask for a referral and get a trusted suggestion.

Regardless of your choice of agent, keep in mind that your insurance needs are unique to your business. There is no “one size fits all” option. As your business grows and changes, your coverage needs will do the same. Be sure to follow up with your agent to ensure your protection is up to date.

Call Insurance Town & Country today and speak with one of our insurance professionals. We can help you determine the commercial auto insurance that best suits your company’s 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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Auto Insurance Investigation is it True or False
Auto Insurance Investigation is it True or False

Auto Insurance: TRUE or FALSE?

Auto Insurance: TRUE or FALSE?

Rushing to buy car insurance is like Auto Insurance Investigation is it True or Falseplaying a board game without reading the rules. While you may feel the need to be “covered” and get in the game, some of the important details may get overlooked. Not fully understanding your auto insurance can lead to further confusion and frustration later on. The more informed you are, the better choices you will make. Below are some common “TRUE or FALSE?” statements to consider when buying car insurance.

TRUE or FALSE: Everything is paid for with “full coverage.”

False! According to the DMV.org, there is no …

Auto Insurance: TRUE or FALSE?

Rushing to buy car insurance is like Auto Insurance Investigation is it True or Falseplaying a board game without reading the rules. While you may feel the need to be “covered” and get in the game, some of the important details may get overlooked. Not fully understanding your auto insurance can lead to further confusion and frustration later on. The more informed you are, the better choices you will make. Below are some common “TRUE or FALSE?” statements to consider when buying car insurance.

TRUE or FALSE: Everything is paid for with “full coverage.”

False! According to the DMV.org, there is no such thing as full coverage auto insurance. Some policies may combine state-required liability, collision and comprehension coverage–but even with this, the details and protection will vary.

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.

TRUE or FALSE: Getting into an accident automatically increases your premium.

False! This one also depends on your insurance and how your insurance provider determines your rate. Multiple factors such as your car and your driving history can have an effect on whether your rate increases, decreases, or stays the same.

TRUE or FALSE: I can lend my car to anyone. My insurance will cover it.

Not necessarily. If none of the parties involved have optional physical damage coverage, you might be having to pay out of pocket for any vehicle damage.

TRUE or FALSE: My new car is automatically covered by my previous auto insurance.

False! Whether you are buying a new car or simply adding another vehicle to your policy, you must notify your insurance agent. Often you have 30 days to do so.

Call Insurance Town & Country today and speak with one of our insurance professionals. We can help you review your policy and ensure you understand all the fine-print details! 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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Personal Umbrella Liability Insurance: Keeping You Dry

In the case of a catastrophic financial event, Personal Umbrella Liability Insurance could be the best line of defense you’ll ever have.

Sometimes in life things just go wrong. Let’s say that you get into a terrible car accident, you’re hurt, the other person is hurt, and on top of that, they decide to sue you. Your basic insurance policy might not cover all of the damages, the medical expenses, and the legal costs. That’s where personal umbrella liability insurance becomes important.

A personal umbrella liability insurance is a customized additional policy that extends the protection of your basic insurance …

In the case of a catastrophic financial event, Personal Umbrella Liability Insurance could be the best line of defense you’ll ever have.

Sometimes in life things just go wrong. Let’s say that you get into a terrible car accident, you’re hurt, the other person is hurt, and on top of that, they decide to sue you. Your basic insurance policy might not cover all of the damages, the medical expenses, and the legal costs. That’s where personal umbrella liability insurance becomes important.

A personal umbrella liability insurance is a customized additional policy that extends the protection of your basic insurance policies to help when a true financial crisis arises. Additionally, it may cover situations that aren’t covered at all by your basic insurance policy. Umbrella policies are meant to be flexible and match your lifestyle. You may need much more protection, depending on where you live, what you do for work, the size of your family, your hobbies, and the vehicles you drive, whether they are automobiles, boats, ATVs, or an RV. However, your current insurance policy may already provide you with a comfortable amount of coverage.  Either way, it is always a good idea to review your policy and ensure that you will be protected in the case of intense financial liability.

We at Insurance Town and Country make it our mission to see that our clients and their families are provided with ample protection at an affordable rate.  You can learn more about our Personal Umbrella Liability Insurance, click here. If you have recently experienced a change in lifestyle or just want to make sure that there aren’t gaps in your insurance coverage, give us a call at 303-388-7216, shoot us an email at contact@insurancedenver.net, or request a quote online.

Commercial Auto Insurance: The Admiral of Your Fleet

Like how an Admiral is depended to protect his fleet, Commercial Auto Insurance protects your company’s fleet in the case of an accident.  By insuring your vehicles, products, and employees with Commercial Auto Insurance, you prevent losing your hard-earned revenue due to an auto accident that causes property or vehicle damage, bodily injury, legal costs, and more.  If you have a mobile business, consider taking additional precaution with a custom plan that includes:

Bodily Injury Liability Medical Payments Personal Injury Protection (PIP) Coverage Comprehensive Coverage Collision Coverage GAP Coverage Uninsured and Underinsured Motorist Coverage

Let Insurance Town and Country take the …

Like how an Admiral is depended to protect his fleet, Commercial Auto Insurance protects your company’s fleet in the case of an accident.  By insuring your vehicles, products, and employees with Commercial Auto Insurance, you prevent losing your hard-earned revenue due to an auto accident that causes property or vehicle damage, bodily injury, legal costs, and more.  If you have a mobile business, consider taking additional precaution with a custom plan that includes:

  • Bodily Injury Liability
  • Medical Payments
  • Personal Injury Protection (PIP) Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • GAP Coverage
  • Uninsured and Underinsured Motorist Coverage

Let Insurance Town and Country take the wheel and guide your company through the storm.  Give us a call at 303-388-7216 or request a free quote online, today!