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Auto Insurance

Automobile Insurance: Split Limits versus Combined Single Limit

Does your car insurance have split limits or a combined single limit? You probably have split limits. It’s the most common type of automobile insurance coverage. You may not have known that. Or what it means. Let me explain: The state minimum insurance is represented as split limits: $25,000/$50,000/$15,000. The first number represents the most [...]

By |2021-04-09T12:14:15-06:00March 13th, 2021|Auto Insurance, Blog|Comments Off on Automobile Insurance: Split Limits versus Combined Single Limit

Eight Ways to Lower Your Car Insurance Rates

Want to lower your car insurance rates? Get married and raise your credit score. What do marriage and credit scores have to do with car insurance? 47 states allow insurance companies to use credit scores to determine car insurance rates, the exceptions being Massachusetts, Hawaii and California.  Insurance companies use credit scores to determine rates [...]

By |2021-01-29T12:33:39-07:00January 29th, 2021|Auto Insurance, Blog|Comments Off on Eight Ways to Lower Your Car Insurance Rates

MedPay and Colorado Insurance, by Dr Taylor Ferguson

Dr. Taylor Ferguson, guest columnist. What is MedPay: MedPay is shorthand for an additional insurance coverage known more explicitly as Medical Payments. This type of coverage is often associated with your auto insurance policy. While it is not required and is considered an additional supplement, it can save you a lot of money [...]

By |2020-10-29T09:14:35-06:00October 28th, 2020|Auto Insurance, Blog|Comments Off on MedPay and Colorado Insurance, by Dr Taylor Ferguson

Towing and Roadside Assistance

At the Premier Mountain Insurance, in Denver, Colorado, we recommend all of our clients carry towing and roadside assistance.  For literally pennies a day, you will feel the safety and security of having someone to help you with your car problems day or night.  Towing and Roadside assistance coverage will not only tow your vehicle [...]

By |2021-01-26T09:32:50-07:00October 7th, 2020|Auto Insurance, Blog|0 Comments

Parking Lot Car Accidents – What You Need to Know

In my 10+ years in the insurance industry, I rarely see parking lot car accidents end well. Since most parking lots are privately owned, police generally won't respond to a minor car accident in a parking lot.  Without a police report, it's difficult for an insurance company to assign fault.  It normally is a matter [...]

By |2020-07-29T16:54:41-06:00July 29th, 2020|Auto Insurance, Blog|Comments Off on Parking Lot Car Accidents – What You Need to Know

Glass Coverage

If you live, work and drive along the Colorado Front Range, you're probably used to chipped and cracked windshields.  Many insurance companies offer different types of glass coverage.  It's important to know what type of glass coverage (if any) applies to your auto insurance.  Glass coverage isn't automatically part of an auto insurance policy, you [...]

By |2021-01-26T09:49:50-07:00July 27th, 2020|Auto Insurance, Blog|Comments Off on Glass Coverage

Safeco

Safeco Insurance is one of the many personal lines insurance carriers that we're proud to represent.  Safeco was acquired by Liberty Mutual Insurance in 2008, making the Liberty Mutual/Safeco partnership the 5th largest personal lines insurer in the U.S. in 2018.  Safeco has a number of great coverage options that Premier Mountain Insurance customers find [...]

By |2020-05-26T17:18:22-06:00May 26th, 2020|Auto Insurance, Blog|Comments Off on Safeco

Dairyland Insurance

We're proud to announce one of our most recent agency partners, Dairyland Insurance!  There's a lot to like about Dairyland Insurance.   As you might guess, Dairyland Insurance started in Wisconsin, the land of cheese.  In 1916, The Hardware Dealers Mutual Fire Insurance Company of Wisconsin began writing insurance for it's members.  This company eventually became [...]

By |2020-05-15T16:13:57-06:00May 15th, 2020|Auto Insurance, Blog|Comments Off on Dairyland Insurance

Collision Coverage

Collision coverage provides insurance for your vehicle in the event of an auto accident. When someone says, "full coverage auto insurance", that normally implies comprehensive and collision coverage. What is Collision Coverage? When you think of the damages that can occur to your car, they tend to fall into two categories, collision and comprehensive.  Collision [...]

By |2020-04-24T12:19:42-06:00March 19th, 2020|Auto Insurance, Blog|Comments Off on Collision Coverage

Is Your Vehicle Wrapped? Time to Talk to your Insurance Agent

“Wrapping” your car with a promotional message can be a good way to advertise your business. It can also affect your car insurance. In many cases, personal auto insurance doesn’t cover business-related use of a vehicle -- and that can include wrapping your vehicle with a business-related promotional message. One reason: If you wrap your [...]

By |2020-02-09T14:28:12-07:00October 2nd, 2019|Auto Insurance, Blog|Comments Off on Is Your Vehicle Wrapped? Time to Talk to your Insurance Agent