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 [...]
Hail damage is nothing new in Colorado. But there is one new wrinkle: Increasingly, Colorado insurance companies are imposing time limits for filing hail-damage claims. The most common deadline is a year from when the damage occurred. But a few companies have a two-year time limit. And some companies have imposed much tighter deadlines, just [...]
Would someone important to you struggle financially if you were no longer around to help support them? If you’re married, have children, expect to get married someday, have relatives or friends who are dependent on you, or have a mortgage that couldn’t be paid if you are gone, then you need life insurance. The most [...]
2020 is over! For many people it was a rough year. Don’t let 2021 be a rough year due to insurance related issues. Here are a few things to think about when it comes to your insurance. Did you acquire any new jewelry in the past year? Home insurance policies vary greatly on how much [...]
Most people are familiar with insurance deductibles. But there may be a type of deductible you’re not familiar with -- a percent deductible. What is it? And is it right for you? There’s no right or wrong answer when it comes to the question of what kind of deductible is best. The real question is [...]
December means it’s holiday season. Unfortunately, it also means it’s fire season. There are more house fires during the holidays than any time of the year. The main reason: The many lights -- including candles -- that go with the holidays. I hope you have an enjoyable and safe holiday season. With that in mind, [...]
As a neighbor, I’d like to wish you a happy Thanksgiving. And, as an insurance professional, I hope you’ll have a safe one. Because of the Coronavirus, some families will be skipping the traditional big gathering of relatives this year while other families will stick with more traditional celebrations. That’s a decision for each family [...]
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 [...]
Halloween means lots of “scary” things are out and about – all in good fun, of course. But don’t let gaps in your insurance coverage turn those scary things into a real-life nightmare. Halloween creates an extra level of risk that can result in lawsuits. For example, are you protected from a big loss if: [...]
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 [...]
