Insurance Discounts Every Coloradoan Should Know

Everyone needs insurance that protects large investments and insures against financial liability for accidents that cause injury or property loss. Several factors determine how much you will pay for auto and home insurance, including the amount of coverage you require and your perceived risk to insurers. Although these factors are not easily changed, there are some discounts available to Coloradoans that could result in savings of hundreds of dollars per year.

Auto Insurance

The easiest way to save money on your car insurance is to drive accident and claim-free for at least three years. During that time, you may be able to expedite your savings by enrolling in a qualified driver’s safety education course. Depending on your insurer, you may qualify for a discount in your premiums of as much as 10 percent or more. Other discounts may be available for installing an anti-theft alarm system on your vehicle or covering more than one vehicle on the same insurance policy.

Home Insurance

Unlike auto insurance, homeowner’s insurance is not mandatory. However, it is the easiest way to protect one of the largest purchases you will ever make. A homeowner’s insurance policy premium may be reduced for homeowners who install monitored smoke and burglar alarms. Others may receive a preferred rate for combining a home insurance policy with auto or life coverage. Alternatively, insurers may raise the rates of homeowners who own trampolines, swimming pools or wood burning stoves, as these are all perceived as increased risk of a future insurance claim.

Finding Discount Home and Auto Insurance in Centennial, Colorado

If you live in or around Centennial, Colorado, the price you pay for home and auto insurance should not break your budget. At our agency, we believe that insurance should be affordable without sacrificing the protection that our customers need. That is why we provide quotes from multiple Colorado insurers to help you choose which policy is right for you. Contact our office today to speak to an independent agent about your insurance rates to find out if we can help you.