Importance of Auto Insurance Coverage

While numerous drivers within Littleton, CO sign up for auto insurance due to state requirements, legal compliance is not the only benefit of getting this coverage. Like other policies, auto insurance offers significant benefits, with Front Range Insurance Services discussing the importance of getting auto insurance coverage. 

Protects You and Other Parties

Auto insurance comes with multiple policies, with examples of this being bodily injury liability, collision coverage, and medical payment coverage. If an accident happens, each takes care of different scenarios, with the essential coverage features paying for 3rd party injuries, your injuries, and that of your passengers. With this in mind, auto insurance ensures that parties involved in an accident are taken care of, providing compensation for the ensuing treatment costs.

Protects Your Financial Assets

When you cause an accident and you are sued for injuries or destruction caused, you are likely to pay for damages, a factor that could result in financial turmoil. Auto insurance protects you against such events and will pay your legal fees and compensation awarded when you are found liable for accidents. This leaves your assets secure, keeping them protected when you incur significant damage and injury costs.

Gives You Peace of Mind

Mistakes are a common occurrence for every individual, whether you are at home or on the road. Rather than let life pass you by at the comfort of your home due to worry, auto insurance comes with the assurance that you are protected if you cause an accident or other motorists cause you harm. This means you can drive to your preferred destinations without fear, giving you peace of mind wherever you are.

Provides Compensation for Physical Damage

Property damage will often be a component of an accident, resulting in vehicle repair costs or replacement expenses. Auto coverage can help pay for these costs, protecting you from incurring any out-of-pocket expenses.

To get auto insurance with the above benefits, make it a point to call Front Range Insurance Services today for customized policies within Littleton, CO.

Is Your Vehicle Protected Against Disasters?

With natural disasters on the rise, it only makes sense to protect your assets with insurance. This includes your vehicle. The right auto insurance coverage can protect your vehicle against disaster damage or total loss. Here’s how auto insurance from Front Range Insurance Services works to safeguard your vehicle against disasters in Littleton, CO.

Types of Coverage

Auto insurance offers various types of coverage to include liability, collision, comprehensive and uninsured motorist. Liability coverage protects other drivers in accidents you cause. Collision insurance covers damage to your car caused by a collision. Uninsured motorist insurance covers damage caused by uninsured drivers.

Comprehensive insurance covers theft, vandalism, and damage caused by falling objects. Comprehensive also protects your vehicle against natural disasters.   

Types of Disasters Covered by Comprehensive Coverage

In addition to theft and vandalism, comprehensive insurance offers your vehicle valuable protection against natural disasters. This includes damage caused by floods, wildfires, tornadoes, hurricanes, hailstorms, and earthquakes, up to the limits of your policy.

If you own an expensive car, you can greatly benefit from the disaster damage protection that comprehensive insurance can provide. For optimal protection, make sure you get sufficient comprehensive insurance to cover the value of your car. You should also review any restrictions that come with this coverage to ensure there are no problems when it comes time to make a claim.

Colorado is prone to many types of natural disasters to include flooding which can lead to landslides, wildfires, tornadoes, and winter storms that can lead to avalanches. If you live or travel frequently to areas where these disasters are likely to happen, you can be prepared for any eventuality with comprehensive coverage.

To learn more about auto insurance coverage and costs in Littleton, CO, contact Front Range Insurance Services today. We’re here to meet all your auto insurance needs.

Who needs to get auto insurance?

When you are in the Littleton, CO area, owning a car is a good idea as it will make it easier for you to get around town. When you are in the market for a new car, it is important that you carefully consider all of your insurance needs as well. There are several situations when someone will need to get a full auto insurance policy to properly protect themselves and their vehicle.

When Pledging Car as Collateral

One situation when you need to have an auto insurance policy in the Littleton, CO area is when you are going to pledge your car as collateral. For a lot of people, the high cost that comes with buying a car requires that they take out a loan to finance it. If you do have a car loan, the lender will take a lien on the car and will require that you have auto insurance at all times to protect their collateral.

When Driving on Public Roads

A car owner is going to be required to carry auto insurance when they take their car out onto a public road. If you do drive a car in Colorado, you are obligated by state law to carry liability insurance. When you have this coverage, it will ensure you are able to pay for damages that you cause in an accident. Those that don’t have it will be in violation of state law.

As you are searching for a new auto insurance policy, it is always a good idea to work with a professional that you can trust. One company that can help you to get into a great auto insurance policy is Front Range Insurance Services. When you work with Front Range Insurance Services to choose an insurance policy, you are going to receive the guidance and support that you need to choose a great policy. 

Why You Should Consider Replacement Cost Coverage for Your Recreational Vehicle

Replacement cost coverage is a very powerful tool to have when you need it. The goal of having adequate replacement cost coverage is for the protection amount to help the insured person get back to the status they had before the problem occurred.

It is a Mistake to be Underinsured

When considering how to insure a recreational vehicle (RV), it is a mistake if you only cover its blue-book value for the resale of the RV. If it gets in an accident, where it is totaled or it burns up in a fire, your insurance may not cover everything. In most cases, resale valuation is too low for insurance because RVs contain many things inside them that are valuable. With inadequate protection, all of those things may be lost.

Take Inventory for Complete Protection

Work with your agent at Front Range Insurance Services, serving Littleton, CO and the surrounding area, to discuss these matters. Consider getting replacement insurance for the RV and all of its contents. With replacement insurance, if an item is covered, the insurance company will give you enough to get a new one of the same type. Say, for example, somebody steals your television when you are away from the RV. If the TV is covered, then, you will be able to get a new one of the same type, not a used one.

You will want to make a complete inventory of all the items you already have in the RV and save receipts for any new purchases. It is helpful to make a video of all the items. In the video recording, clearly show the items, their brand name, and any identification numbers. Also, ask your agent about road service coverage and rental car coverage, if the RV needs repairs when you are on vacation.

To get an RV insurance review and a quote, contact your agent at Front Range Insurance Services in Littleton, CO.

Buying Auto Insurance in Littleton, CO: Use a Trusted Agent

When you buy auto insurance, you are protecting the investment you have in your vehicle. That is why getting the right coverage is so important. By working with Front Range Insurance Services you can get a trusted agent who serves the Littleton, CO area and can provide you with quality policy options. You may have an older car that needs basic coverage, or a new SUV you want to cover fully. No matter what type of vehicle you have or how much coverage you are looking for, getting quotes from the right agent can make things much easier for you.

There are a lot of different things to consider when you choose a policy, so it helps to have an agent who can answer your questions. Then you can decide the level of coverage you want with all the knowledge you need to make an informed decision. Your Colorado agent should give you information about state requirements for insurance, along with the additional coverage options you can choose from. Then you can be sure your vehicle is getting the proper protection and you are getting the peace of mind you need and want.

Reach out to Front Range Insurance Services today and let us help you with your auto insurance needs. Then you will have the help and support of a trusted agent along with the guidance and knowledge you need. That can make it easier for you to decide on the coverage level you want and any options you may want to add. We understand how important it is for you to protect your car and your investment, and we want to be the ones to make sure you get the proper auto insurance coverage to truly meet your needs.

How Often Should You Take A Defensive Driving Course

In Littleton, CO, the agents of Front Range Insurance Services take pride in providing a comprehensive list of motor vehicle insurance to their customers. They often recommend taking a defensive driving course to new clients or to individuals who have been with them for a while. Taking a defensive driving course every few years offers many benefits and may also qualify you for a discount on your insurance premiums. 

Sharpen Your Driving Skills

Defensive driving courses, even those that are taken online, can sharpen your driving skills. The lessons are designed to reinforce what you already know and remind you of tips and techniques you may have otherwise forgotten. The course will also expose you to new information that is being included in updated classes.

Reinforces Your Knowledge of Traffic Laws

Taking a defensive driving course that is designed for your state will help you stay abreast of any new changes to old traffic laws. This can include speed limit increases, parking requirements, etc.  Knowing and understanding the traffic laws in your state are essential if you plan on being a safe driver. Taking a defensive driving course every two to four years will help you stay up to date on any laws that may have changed.

If you live in the Littleton, CO area and have questions about how a defensive driving course can benefit you, call the agents at Front Range Insurance Services. You can schedule an appointment with an agent and discuss your options. They can help you find a defensive driving course for Colorado that will reinforce what you already know and provide you with new information you may need.

Colorado Alcohol and Impaired Driving Rules

For some reason, people continue to drink and get behind the wheel of their cars. Even if you think you are sober enough to drive, after 1 drink you can become impaired. In Colorado, at least 77 impaired drivers are caught daily by the police. Because it is such a dangerous issue, the independent agents in Littleton, CO at Front Range Insurance Services would like you to know the rules before you drink and drive.

The Colorado DUI Law

The Colorado DUI Law stipulates that if you are convicted of a DUI for the fourth time, it will be considered a felony. First-time offenders receive a misdemeanor, but repeated offenders could be labeled habitual traffic offenders and have their license revoked permanently.

The Penalties for Impaired Driving

When you are caught driving while intoxicated, you can suffer criminal penalties as well as administrative and financial obligations. Depending on whether it is your first or fourth offense, you could spend 2 days in jail to up to 6 years in prison. The administrative penalties start with your license being suspended for 9-12 months. There are also fines to consider. You may be saddled with tremendous court fees that could reach up to $1500.

Of course, fines and a short jail sentence is just the tip of the iceberg if your carelessness results in an accident where another person is injured or killed.

What You Can Do

  • Before you decide to drive after a night of drinking, you should call a cab or use a service app that will drive you home at night.
  • Take turns having a designated driver for the evening.
  • Stay at a nearby hotel where you can walk to from the bar or club.

In Littleton, CO, Front Range Insurance Services wants to help keep you and others safe on the road. Visit or call our offices if you want to establish a new auto insurance policy or adjust your current one.

Understanding the Increase in Auto Insurance Rates

For the last three years I’ve spent spring break week enjoying a road trip with my family. This vacation always seems to happen right before my auto insurance renewal generates. This year was no different and like many of you I grumbled when I saw my premium. After all, I’ve had no accidents, tickets, or claims of any kind. Sigh.

For over 5 years Colorado has been experiencing increases on home insurance. Given our catastrophic hail losses and wildfires, most people understand these increases. However, we are just starting to see the beginning of industry-wide auto insurance rate increases. This is a national concern, but has significantly impacted Colorado for a number of reasons. I’d like to thank Safeco Insurance for sharing some of these reasons with their sales force.

MORE MILES: One reason is that we are driving more miles. Turns out I wasn’t alone on my spring break road trip. Encouraged by lower gas prices and higher employment rates, U.S. drivers drove 3.1 trillion miles in 2015 according to the Federal Highway Administration. That’s a record.

MORE NEW CARS: New car sales hit a record in 2015, just under 17.5 million vehicles sold, up 5.7 percent from 2014. The safety, technology, and convenience features are great – however the cost to repair or replace them isn’t cheap.

MEDICAL COSTS RISING: Along with the increase in severity and frequency of accidents, we are also seeing an increase in medical costs. From 2005 to 2013, the average cost for a bodily injury claim rose 32.1 percent, according to the Insurance Research Council.

MORE DISTRACTED DRIVING: I know this one doesn’t come as a surprise, but the number of distracted drivers on the road is on the rise. It’s hard to pinpoint exactly how many accidents are caused by distracted driving because accident reports don’t always cite if a cell phone or other distraction was a contributing factor. I’m sure that most of you can personally attest to witnessing all of the distracted drivers out there.

As I enjoyed my road trip to Great Sand Dunes National Park, I made an effort to be a focused driver. Between my two children (occasionally bickering in the back seat), my cell phone (alerting me for every email and text), my GPS, and the DVD player entertaining the children — let’s face it — there are plenty of distractions.

OUR RESPONSE: We take customer service seriously and many of our clients have told us that this is what sets us apart. We’ve implemented a new system that allows us to better monitor all client renewals. We are double checking and looking for any new discounts that might apply and we are taking advantage of our companies that offer usage based insurance programs. Our goal is always to find the right coverages at a competitive price.

5 Techniques to Avoid Road Rage

Managing your anger may not be easy with all of the aggressive drivers on the road. Road rage can lead to accidents, physical violence, and even death. Taming road rage is the first step to resolving conflicts. With the following techniques, your ride can be a much safer one.

1. Plan Your Drive In Advance

Leave your home or office a few minutes earlier or later to miss rush hour traffic. Standing in bumper-to-bumper traffic can cause tempers to rise. This could lead to aggressive driving and road rage.

2. Handle Tailgaters with Caution

When someone is following you too closely, resist the urge to slow down even further. This will aggravate the other driver and possibly start a conflict. You should move over into an adjacent lane when you notice a tailgater and let them pass.

3. Ignore Erratic Behavior

Don’t assume another person’s driving is about you. Just because they cut you off, does not mean that they knew what they were doing. They may be distracted or oblivious. Slow down, take a breath, and proceed with caution. If they are flying down the highway, allow them to get in front of you and reduce your speed until they are out of sight.

4. Following Behind Slow-Pokes

Even if you are not in a hurry, there always tends to be a slower driver that gets right in front of you. You should keep at least one car length in front of you in case they stop suddenly. Try moving into another lane or take an alternative route.

5. Parking Space Fights

You got there first, but another driver swoops in and takes your spot. It’s okay to let them have it. There is probably a parking space a few feet away. Take a deep breath and don’t confront the driver. They may have a weapon.

The Littleton, Colorado agents at Front Range Insurance Services are available to help you understand how you can avoid road rage. The agents can also provide quotes for new policies and offer information for those with existing coverage.

Get a Winter Emergency Kit Ready for Your Car

Few places in the United States see winters as harsh as Littleton, CO. If you’ll be driving in the area during the coldest months of the year, make sure you’re prepared for the snow and ice. Most people in Colorado know to put together an emergency kit for their car in the winter, but few stop to think about how they should adjust their auto insurance coverage for the season. At Front Range Insurance Services, we recommend doing both.

Put Together an Emergency Kit

In Colorado, drivers not only need to deal with bitter cold, but also heavy snowfall and slippery ice. Your emergency kit should have stuff to keep you warm and equipment to help you out of a ditch. You may want to include the following in it:

  • winter boots
  • a winter hat and gloves
  • a blanket
  • a shovel
  • cat litter

If your car’s wheels can’t get traction in a slippery spot, putting some litter down may provide enough grip to get your car moving. If you don’t need the litter during the winter, you can either use it for your cats or donate it to a shelter once spring arrives.

Adjust Your Insurance Coverages

Because driving conditions are often difficult during winter, the likelihood of being in an accident increases during the season. You might want to adjust your auto insurance coverage to compensate for the increased risk. For instance, even if you don’t normally carry comprehensive and collision coverage, they may provide valuable protection during the winter.

If you’d like to discuss which insurance coverages you should have during winter with an insurance agent, contact us at Front Range Insurance Services. Our experienced agents will ask about your car and your driving habits with you, which will help you decide what coverages to include in a policy. To get in touch with them, contact us through our website.