Why Cleaning Your Car Can Lower Your Insurance Cost

Cluttered cars are a common problem, but few in Centennial, CO probably know how they can affect their insurance. While not the biggest problem in the world, it is one we at Compass Insurance have noticed multiple times and is something we can help you better understand.

A Cluttered Car Is More Dangerous

While it is easy for a car to end up getting cluttered excessively over the years, this is a dangerous situation for a variety of reasons. First of all, it creates a driving environment that is more difficult to handle and which could cause accidents. Insurance companies note these problems and will penalize you if you refuse to clean out your car.

Clutter Can Also Decrease Fuel Efficiency

One thing that few probably understand is that clutter weighs down their vehicle and can cause decreased fuel efficiency. How? By creating extra drag that overpowers the engine. Unfortunately, this problem can raise your insurance by decreasing the vehicle’s efficiency and making it less environmentally safe.

Debris In Cluttered Cars Is Troubling

Imagine getting in a car accident in a cluttered car. All those items are suddenly airborne and could end up hitting your or anyone else involved in the accident. They could even spill out of the vehicle and cause a mess that would cost a lot to clean up. In this instance, your premium would go up.

Clean Your Car Up Immediately

The first step to avoiding increased insurance due to clutter is to clean it out of your car. Take a garbage bag out to your car, clean all obvious trash out, and remove any other items that simply don’t need to be there. In this way, you create a safer driving experience that will avoid increased premiums.

At Compass Insurance, we understand the dangers of cluttered cars and want to help our customers avoid this problem. So if you live in Centennial, CO or the surrounding area, please contact us today to learn more tips on how to save money on your insurance premiums.

Does Having a Home Warranty Lower My Home Insurance Premiums?

Typically, when you purchase a new home, or a new to you home, you receive some warranty with the home. This may leave you wondering whether your home insurance premium should be lower. Here is some information you should know.

Home warranties and homeowners insurance do not cover the same thing. Home warranties often supplement your home insurance policy and cover items that are not typically covered under home insurance plans. These items typically cover items that may suddenly go out due to age or lack of maintenance, things home insurance does not cover. Likewise, home warranties do not cover items that home insurance does. If your home is robbed or someone slips and falls on your property, a home warranty will not do you a bit of good and cannot help you.

Because home warranties and homeowners insurance policies do not cover the same thing, it is not likely that you will be given any discount on your home insurance premiums because you have a home warranty. However, every insurance company is different and what they discount may vary. As such, it never hurts to inquire as to whether you can receive a discount for this or not.

Are you looking to change your home insurance policy or possibly lower your premiums? Then give Compass Insurance, serving the greater Centennial, CO area a call today. We can take a look at your current policy and find any places you can lower your payment or alter your policy, while still ensuring you are protected against loss. Give us a call to get started today.

Auto Insurance for Teen Drivers: How to Teach Your Child About Insurance

You know that your teen driver needs to have auto insurance. And, you probably have talked to your agent at Compass Insurance to make sure he or she is listed on your policy (hopefully before that first outing in the vehicle). Have you taught your child about insurance and how to use it? This can be just as important.

What Your Teen Driver Needs to Know About Insurance

Teen drivers need quality insurance coverage in place to minimize the risk of loss. Talk to your teen about their specific needs. For example, your teen should understand how to call an agent and when to call after an accident. He or she should understand how to maintain an auto insurance policy including what deductibles, premiums, and policy terms are. And, when involved in an accident or a moving violation, your teen needs to know how to present his or her insurance card and what information to gather from another driver.

In addition to this, talk to your teen about how to be a safe driver. The more reliable and safe your teen is, the less likely his or her rates will go up over time. In many ways, the agents at Compass Insurance can help to keep your child’s policy competitively priced, but an accident or too many moving violations can be costly.

Getting Your Teen Insured Is a Priority

If your teen is heading out onto the road and you want to be sure they are financially protected, contact our experienced and trusted agents at Compass Insurance. Let us help you to get into the right policy for your needs. We serve residents in and around Centennial, CO and are happy to help you as well.

 

Three Spring Cleaning Tips for Your Homeowner’s Insurance Policy

Winter is nearly over. Before you know it, spring will be here. Not only can you look forward to warmer temperatures in Centennial, CO, but if you’re like most homeowners, you’re probably already mapping out your spring cleaning plan. Don’t forget to include your homeowner’s insurance policy. Spring represents an excellent time to ensure your policy is up to date and that you have the coverage you need.

Perform a Home Inventory

Since you’re already spring cleaning and moving your belongings around, this is a great time to perform a home inventory. In many instances, homeowners underestimate the value of their belongings. If you make this mistake and you have a break-in or some other disaster, your policy might not be equipped to cover the total cost of your loss.

The result would be you coming out of pocket to replace these items on your own. Performing a home inventory will help you better analyze whether your policy is valued appropriately and increase your coverage limits if necessary.

Consider Major Renovations

Did you have a pool installed during the winter? Before you, your family and friends enjoy it, make sure you have the coverage you need. Not only does a pool addition increase the value of your home, it also increases your liability risk.

In the event someone gets hurt while enjoying your pool, they could come after you in the form of an injury suit. Ensure your policy reflects the value of the pool and ensure you have enough liability protection. A Compass Insurance agent serving Centennial, CO can help you ensure you have adequate coverage.

A Compass Insurance agent will be more than happy to go over your homeowner’s insurance policy with you to ensure you have the right coverage to protect your home and your family.  

Home Insurance and Your Neighborhood: Safety and Support

It’s easy to see buying home insurance as a solitary exercise in Centennial, CO because the amount you pay has everything to do with the property you bought. But you don’t live in a bubble. People are counting on you to maintain your grounds, and keep everything looking good. Neighborhoods need home insurance to survive and thrive.

Safety in Your Neighborhood 

When a criminal walks past litter or a damaged mailbox, they may not consciously think that no one cares about the property. But over time, neighborhoods can break down, and it all starts with neglect. Thieves can operate as often as they do because no one is standing up for what’s right or looking after the damage when it happens. Home insurance gives you the chance to do your part when it comes to warding off the man-made dangers that exist everywhere in the world. It also keeps the structures in good-standing, so people can continue to live in peace. A cracked foundation or a precariously-placed tree won’t overtake the house, but rather be dealt with quickly and safely in Centennial, CO.

Support When You Need It 

Home insurance is there to give you the support you need, and Compass Insurance knows just how priceless that help can be. From fast-moving contractors to get homes back into livable conditions to hotel rooms so the whole family has somewhere to go, home insurance is what keeps people sane and safe during even the worst times. Our team has seen the common threats, and can help you find policies that protect against them. The same goes for the more unusual scenarios that can happen. For more information about our services, premium costs, and customer support, call Compass Insurance today to find out more. 

How to Make an Auto Insurance Claim

Should you ever find yourself in need of making an auto insurance claim, you may not know what to do if you haven’t done it before. Whether your vehicle has been involved in an accident or a tree fell on it in your driveway, taking care of your auto insurance claim is important. At Compass Insurance, we are here to assist you in making your claim, whether you live in Centennial, CO or in the surrounding area. 

Call the Police

If you were involved in any kind of accident, you need to contact the police. This includes hit and run accidents. Not all accidents involve a secondary driver, but if another vehicle is involved or if damage to other property takes place, you need to contact the police and obtain a police report. 

Contact Your Insurance Company

After you have handled any necessary police requirements, contact your insurance company. They will help walk you through what to do next. If you are in a safe location or can drive away you should do so. However, if your vehicle is unable to start the insurance company will assist in contacting a tow truck. 

Document

Some auto insurance companies allow you to make a claim with a smartphone app. Snap the necessary pictures and upload the information to the application. If you are making an in person claim wait for the insurance company adjuster to inspect the vehicle. 

Hopefully you never have to go through making repairs on your vehicle. However, should the time arise where it is necessary, we at Compass Insurance want to make sure you know exactly what to do, whether you are in Centennial, CO or not. By following these instructions, you should have no problem making your auto insurance claim. 

What if I Get Stranded by a Winter Storm?

It doesn’t matter how many years of experience you have driving in winter weather, an unexpected storm can leave you stranded. Residents of Centennial, CO know road conditions can deteriorate rapidly. Studded tires and chains may provide some traction in certain conditions, but they will not counteract the impact of severe winter weather.

Weather apps can keep you updated on the approach of inclement weather. If possible, wait until snow or ice passes and road crews have had a chance to clear roads. Compass Insurance encourages you to visit the Ready.gov website for information on being prepared if travel is a must. Share your travel route with family and friends. Stick to your route so people will know where to look if you lose touch or become stranded.

Before You Leave

Fill your gas tank, charge your phone, and check the contents of your emergency kit.

Ready.gov recommends your emergency kit contains:

  • Rock salt and kitty litter
  • Shovel
  • First-aid kit and necessary medications
  • Flares
  • Flashlight and radio with extra batteries
  • Waterproof matches and candles
  • Blankets or sleeping bags

Take Action

As soon as you realize you cannot make it to safety on your own, contact the authorities. Then, call family and friends that are familiar with your route. Compass Insurance encourages you to stick with the recommendations of Ready.gov and stay in your vehicle. It acts as a temporary shelter. Start the engine and let it run for 5-10 minutes each hour to take the edge off the cold. Make sure the tail pipe is clear and crack a window to prevent carbon monoxide build-up. Leave your dome light on if it is dark so emergency responders can find you. The extra clothes and blankets in your emergency kit can help prevent hypothermia and be a key factor in you returning home safely to Centennial, CO. 

 

Home Insurance Considerations When You Are Renovating Your Home

Congratulations Are In Order!

Compass Insurance heartily congratulates you on your accomplishment. Serving Centennial CO and the surrounding areas, we understand the level of effort that goes into securing funds for home improvement currently. Whether you are renovating the home with funds you have saved over time or you have secured a home loan for the purpose of renovation, it is no easy feat.  

The value of your home will increase with a good renovation so the amount of your home insurance coverage protection should increase as well. Here is a short list of some major renovations that will increase the value of your home.

  • Adding a Brand New Kitchen – updating your kitchen with new appliances, flooring, windows or any other renovation will dramatically increase the value of your home. 
  • Adding an Extension or Converting Existing Non-Usable Space Into Living Space – If you are increasing the square footage of your home you are definitely adding real estate and real value to your home. This includes finishing basements with bedrooms and bathrooms and new living spaces. Some homeowners add rooms onto higher levels of their homes. 
  • Adding a deck or other types of outdoor living spaces. Using professionals and higher quality products when it comes to your home improvement projects will ensure you are getting the most value in your renovations. 

To maximize the new added value to your home most effectively contact your agent at Compass Insurance to discuss what projects you have in mind. Many homeowners that reside nearby in Centennial CO do not use the resource that they have in an agency just to pick up the phone or to stop in and discuss home insurance details and options. That is the advantage in having a professional in your corner.     

How home insurance can make the difference for Centennial, CO homeowners

If there is one thing that an experienced homeowner can tell you, it’s this: do not, NOT, go without a quality and comprehensive home insurance plan. For most people, that would be a super common sense thing to say, right? Of course you should have home insurance, why wouldn’t you? Well, for as good as it may sound on paper, in practice, it is all too easy for homeowners – Centennial, CO homeowners or otherwise – to skimp on it, thinking that such a decision could prove to be a great cost-cutting initiative. Well, unfortunately for them, it often does not work out that way.

It is understandable why people think to skimp on coverage – earnings are stagnating and costs are rising, leading people to try whatever they can to be able to make the bare minimum just to stay afloat. And while it is unfortunate that these people have to go through such struggles, it is just as unfortunate what will inevitably happen to someone who does not insure their home. For as hard up as they may feel now, they are only going to feel worse when they have to pay out of pocket for something that, with home insurance, they could have instead been properly covered.

A lot of homeowners who are uninsured have that mindset – "I don’t need this, what are the odds that I would?" – and for as true as that may seem, everyone says that – including the people who ultimately do need it. Centennial, CO residents shouldn’t take that gamble. When you’re ready to get insured, contact Compass Insurance online, and we will work with you to get you the best insurance plan that matches both your budget and  your needs.

Five Ways to Prepare For Winter Driving in Centennial Colorado

Mother Nature throws all sorts of challenges at Colorado drivers in winter. While there isn’t much anyone can do about the weather, there are a number of things drivers in Centennial, CO can do to prepare.

First, install beam blade windshield wipers. Beam blades don’t have the metal framework on the outside like traditional wipers. The support is inside the blade itself. This design allows it to flex and make better contact with the windshield. It also keeps most of the moving parts protected. They don’t get clogged with snow and ice which hinders their performance.

Second, switch to snow tires. All season radials are great, but Centennial, CO winters come with lots of snow. It will cost more up front, but the snow tires will last many years as they’re only on the vehicle part time. They’ll also extend the life of your all-season tires which will now be off the car for several months a year.

Third, test your battery. Cold temperatures slow the chemical reaction inside the battery. A good battery can usually function under extreme conditions, but frigid temps will render a sub-par battery useless.

Next, fill up with winter windshield washer fluid. Deicer fluid has additives which keeps it from freezing on even the coldest days. Spritz the windows a few times and work it into the hoses. This way, they’ll be protected and won’t deny you a squirt when you need it most.

Lastly, review your auto insurance policy. Call your agent at Compass Insurance. Make sure you have the right coverage if disaster strikes.

So keep warm, drive safe, remember these five tips, and call Compass Insurance at the start of every winter season.