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.