Author: John

Gearing Up for Winter with Car Maintenance

Gearing Up for Winter with Car Maintenance

Before the winter weather hits Colorado Springs, you want to be ready. You also want to make sure your car is ready to handle deep snow, slippery roads and icy conditions. If you’re traveling out on the highways, snowstorms can leave you stranded far from […]

How to Know If You Need Commercial Car Insurance in Colorado

How to Know If You Need Commercial Car Insurance in Colorado

Thanks to the popularity of Uber and Lyft, more people are earning money by driving their cars. However, this situation does pose a question for many of those drivers. Will your Colorado Springs car insurance policy cover you if you’re involved in an accident? You […]

Tips on Choosing the Right Car Insurance Provider in Colorado Springs

Tips on Choosing the Right Car Insurance Provider in Colorado Springs

When you’re searching for car insurance in Colorado Springs, you’re probably going to start out looking at price. While it’s important to make sure your premium fits in your budget, cost shouldn’t be the only factor in choosing a car insurance agency.

Talk to Family and Friends

Take some time to research your car insurance options. The first place to begin looking is with your family and friends. Ask them which provider they use and if they’re satisfied with them. Find out if they’ve ever had to file a claim or contact their agency for anything. Ask about customer service, claim time and other questions you might have.

Remember that most people only talk about businesses if they have complaints. You might never hear about the outstanding auto insurance agent if you don’t ask.

Look at Online Reviews

You do want to know about any problems or complaints against an auto insurance provider. You can go online and look at customer reviews for the top car insurance agencies in your area. Most people will share if they’ve had a bad experience with an agency or claims adjustor.

Take the time to search for expert reviews as well. These are professional reviewers who know what to include in a review. You can find them on financial websites as well as car sites. They will provide a lot of unbiased information about car insurance rates and agencies.

Check the Better Business Bureau

Every business can expect to have some complaints made against them even if they aren’t legitimate. It’s how they deal with such complaints that will tell you about the agency. Check with the Better Business Bureau on any car insurance providers that you’re considering.
The BBB will list the complaints and tell you if they’ve been resolved and whether the business responded. You can get some important details that will let you know if this is an agency you want to work with.

Go to Social Media

Find out if the car insurance providers you’re researching have a social media page on Facebook or Twitter. See what is posted and how active they are online. Note if followers leave comments and if the agency responds.

You may wonder what social media has to do with being a good car insurance provider. An auto insurance agency that has a social network presence proves that they stay current with trends and information. If they respond to comments, it proves they pay attention to their audience. They will probably be just as responsive and personal when you contact them with a question or concern.

Cost of car insurance premiums is an important factor when choosing a provider, but it shouldn’t be your only one. You need to know you have an agency that will help you if you should need to file a claim. They should also respond when you have a question or need information. It’s best to find out these details before you sign up with a policy.

Hail Destruction and How It Impacts Your Roof

Hail Destruction and How It Impacts Your Roof

Summer is a season many people get excited about. However, it also brings in some unique dangers, especially for homeowners. Summer storms can cool off those hot days, but they can also bring high winds and hail with them. Hail is one of the biggest […]

Do You Have Enough Home Insurance for a Dog Bite?

Do You Have Enough Home Insurance for a Dog Bite?

They’re so cuddly and cute. Dogs are man’s best friends and faithful companions. Some are great for hunting while others make wonderful lap dogs. Still others guard your home and protect your family. However, any dog is capable of biting someone, even if they aren’t […]

What You Should Know about Mechanical Breakdown Car Insurance

What You Should Know about Mechanical Breakdown Car Insurance

If you’re shopping around for car insurance in Colorado Springs, you may be thinking about collision and comprehensive coverage as well as liability. However, auto insurance has different types of coverage, including mechanical breakdown. Here are some basics you should know about this portion of a policy.

Understanding What Mechanical Breakdown Insurance Is

This type of coverage, known as MBI, is similar to an extended warranty. It pays for repairs to your car’s mechanical systems that have nothing to do with an accident. This coverage usually pays for repairs on the engine, drivetrain and transmission. It may also cover exhaust and brakes as well as electrical systems. You may even get coverage for the air conditioning and fuel system. You can usually choose from multiple levels of coverage.
MBI generally won’t pay for repairs that happen normally over time as wear and tear. It probably won’t pay for replacing your brake pads or shoes, spark plugs and filters. It also won’t usually cover tune-ups or wheel balancing. You’ll still have to pay for tires and fluids out of your own pocket.

Is It Worth It?

When you think about what is covered and what isn’t, you may wonder if mechanical breakdown insurance is worth it. Considering how expensive parts and labor are on a vehicle, it could save you money to carry a policy.

MBI is a better option than an extended warranty for several reasons. It usually is less expensive than the extended warranty and it may cover more parts. You can usually go wherever you want to get repairs done.

Another benefit for carrying this policy is you may be able to transfer it if you decide to sell your vehicle, which could increase the value to the buyer. You also don’t have to pay a large sum all at once, which makes it more affordable for the average person.

The Cost of MBI

The price of MBI depends on the age and model of your vehicle. Your driving record doesn’t factor in like it does with regular car insurance in Colorado Springs. Your credit score, age or other factors have no impact either.

You may spend just a few hundred dollars for this coverage or it could cost a few thousand. This coverage may be an add-on or purchased as its own policy. However, it doesn’t replace standard car insurance, so you will still need to have both.

You need to decide if this coverage is right for you. Do some research on the model you’re purchasing to see if it has a history of breakdowns or other issues. Find out the cost of repairs to see if you can afford them or if it would be better to pay the monthly premium for coverage.

In the end, choosing to purchase mechanical breakdown insurance is up to you and how much peace of mind you need for unexpected repairs. It’s something you should look into and learn about for your vehicle.

How You as a Driver Affect Your Car Insurance Rates

How You as a Driver Affect Your Car Insurance Rates

When you think about buying a new car, you probably realize that what you decide to purchase will impact your car insurance in Colorado Springs. A sports car is likely to have higher premiums than a sedan while an SUV may be even cheaper. However, […]

Smoke Detectors Can Save Your Life and Reduce Your Home Insurance Premiums

Smoke Detectors Can Save Your Life and Reduce Your Home Insurance Premiums

You’ve seen the stories on the news. A fire started in some part of the house, and the entire building was engulfed in flames before fire crew arrived. In the most tragic circumstances, not everyone makes it out alive. Many of these situations can be […]

How Points Impact Your Auto Insurance Rates

How Points Impact Your Auto Insurance Rates

If you’re shopping for auto insurance in Colorado Springs, one of the questions you’ll have to answer is if you’ve had any traffic violations or claims. If the answer is yes, you’re likely going to be paying more for your insurance policy because of the points on your driving record. It’s important to understand what points are and how they impact your ability to get affordable car insurance.

What are Points?

When you get a ticket for speeding or another traffic violation, you may have so many points added to your driver’s license. You are also assessed for points if you’re at fault in a car accident or if you receive a ticket in an accident.

When you get a certain number of points, your license can be suspended. More serious violations can mean more points. It’s important to know that it isn’t necessarily just one point for each incident.

Important Facts about Points

When you’re looking for a new policy for car insurance in Colorado Springs, it’s important to know the facts about points and how they impact your rates.

  • Nonmoving violations don’t usually result in points – this includes parking tickets
  • First offenses may not end up being used against you – even if the offense shows up as points on your driving record, they may not be recorded as insurance points
  • Some insurance providers offer points forgiveness for a first occurrence – it means you won’t pay a higher rate for your first ticket
  • Some insurance providers use their own points system rather than the points from the DMV on your license
  • Points fall off in time – after so many years, the oldest points will fall off which will improve your rates as long as you don’t add any new points
  • You can get points taken off by attending a safe driver course – ask your insurance agent if it will improve your rates if you take a driving course; many times even an online class counts
  • Talk to Your Agent

    If you have been involved in an accident or received a traffic ticket, you should talk to your agent about how it will affect your rates. Don’t try to hide it when you’re shopping for car insurance in Colorado Springs because the insurance agency will check your record. It’s better to be upfront and find out how you can offset any extra cost.

    Don’t assume an incident will raise your rates before you talk to your agent. Even if you find out you are paying higher rates because of a previous ticket or accident, you can ask about ways to lower your costs. Most providers will give discounts that will help reduce your rate.

    An accident or traffic ticket can cause your insurance premiums to go up dramatically, especially if it was a major accident or violation. Talk to your agent to find out how you can offset these costs and make your insurance policy more affordable until the points fall off your record.

    What You Should Know about Renter’s Insurance

    What You Should Know about Renter’s Insurance

    Renter’s insurance is home insurance for people who don’t own a home. It is usually much less expensive than traditional home insurance, but it’s just as important. It does have different coverage, and as a renter you should understand how it works. No Coverage for […]