Even if you are happy with your current insurance company, it is recommended that you review your auto policy each year to ensure you are paying the best price for the appropriate coverage.
You could still get free car insurance quotes just to make sure you have the best and cheapest plan but that still covers all your needs.
The average cost of car insurance is approximately $ 1,425 per year. This amount is based on drivers with good driving records for the past 3 years, as well as no claims.
Folks with bad driving records due to DUI convictions, for driving with a suspended license or driving without insurance, for causing an accident with substantial property damage, or accumulating too many points may be required to carry an SR22 certificate.
Losing driving privileges for reckless driving and then trying to reinstate your license isn’t going to be cheap.
SR22 coverage can be expensive. Car insurance companies charge high risk drivers more money to help offset the cost of having to pay out a claim in case of an accident causing injury or property damage. Depending on the number and severity of violations, the higher your rates may go.
1. If you are currently insured, then obtaining an SR22 certificate is as simple as calling your current insurer and requesting they file it for you. If they decline, then you can shop around for another insurance company.
2. If you are not currently insured, be prepared to pay more from a new insurance policy as companies will base your rates on your very poor driving record.
3. If you do not own a vehicle or lost your vehicle, getting an SR22 certificate may be difficult, but not impossible. You will need to purchase Non-Owners Car Insurance policy prior to filing a request for an SR-22. The good news is that since you do not have a vehicle to insure, your rates will be much lower.
Business Insurance is made up of many different types of coverage. Depending on the business you own, will determine which types of business insurance will be required and recommended to have.
General Liability insurance, also called “commercial liability insurance” or “small business liability insurance”, provides coverage for your business against claims made by a third party regarding any type of bodily injury or damage to property.
The cost of a general liability policy for a roofer averages $3,600 per year, while the average cost for a locksmith is around $400 annually.
The type of business you own will determine the cost of general liability insurance. Roofers, tree trimmers and other construction professions come with a higher risk for customer injury or damage to someone’s property and will generally pay more than a lower risk profession, like a cleaning service or locksmith.
Here are some examples of how Commercial Liability Insurance can protect you:
You own a garage and you or one of your employees accidentally damages a customer’s vehicle. Your business liability insurance will cover the claim for the repairs or replacement.
You have a family-owned market and a customer slips and falls on a spot of water, your grocery store liability policy would cover any medical claims against your store.
A way to save money on your business insurance, while ensuring you are sufficiently protected against most major claims is to purchase a Business Owner’s Policy (BOP) as opposed to a General Liability Policy by itself. A BOP bundles Commercial Liability with Commercial Property. Having the two types of coverage will cover claims made by customers, as well as any damage made to your property.
Businesses that provide company-owned vehicles to its employees are required to purchase commercial auto insurance.
The monthly cost of this insurance will vary depending on the type of vehicles, the number of authorized drivers and your type of business.
Commercial auto insurance costs for contractors and construction businesses in Denver costs an average of $150 per month.
This type of business insurance policy is designed to cover property and vehicle damage for a third-party as well as any medical bills that results from an accident you or your employee are at-fault for while driving a company car or truck.
There are many licensed insurance brokers who serve the Hispanic communities in Denver who can help (in Spanish if needed) with your business coverage needs. Some of the most commonly owned businesses by Latinos in Denver are:
Carpenters, Electricians, General contractors, Handyman / Home Repair, Construction, Dry-wall Hanging, Floor Tile Installation, Painters, Roofers, Mechanics, Grocery Store and Restaurant.
State law requires independent contractors to obtain a general license bond and, in some cases, a contract-specific bonds. They are also required to obtain workers' compensation insurance for employees and liability insurance.
There is no law in Denver that requires a homeowner to have insurance, but banks will require you to cover your home for as long as you have a mortgage with them.
The average cost for home insurance in Denver is $1,450 per year. Colorado has the third highest rate of home insurance in the U.S.
Here are some ways to save money on your homeowner’s insurance:
While it does means paying a little more should you make a claim, by increasing your $500 deductible to $1000, you can save up to 20%.
Upgrading you home’s burglar alarms and smoke detectors with systems that are actively monitored can save you between 15% and 20% on your premiums.
Little savings can add up to a lot. Many major insurance companies will offer discounts if:
Most insurance companies will offer between 5% to 15% discount if you have your home and auto policies with the same company.
Having a swimming pool, playground equipment, old fencing and sheds on your property can create areas for accidents to happen. By removing these items, you eliminate potentially risky situations and can see savings on your insurance premiums.
Having a good credit score can greatly impact your insurance premiums for the better. Having a low FICO score tells an insurance company that you have been late on payments and mismanage your money making you a higher risk to them.
It is easy to get free home insurance quotes online and compare plans. Doing this on an annual basis will ensure you are getting the best price for your homeowner’s policy.
Medicare is a federal health insurance program for individuals aged 65 and older, younger individuals with permanent disabilities, and those with end-stage renal disease.
While you can still enroll in private insurance, you must participate in Medicare in order for your additional insurance to provide coverage.
Long-term care, Dentures, Cosmetic Surgery, Eye examinations for prescription glasses, Hearing aids and exams, Routine foot care and general dental care.
The Bilingual Insurance Agency Directory. Since 2008, Seguro-Insurance.com has helped consumers find affordable insurance rates in their native language.
