Driving in Centennial, CO can be a necessity, and you may be wondering how you can save money on the insurance policy you obtained through Compass Insurance. If you bought full coverage insurance, you may be wondering if you really need it and if there are some portions you don’t need.
Do You Still Have a Loan On Your Vehicle?
If you still owe money on your vehicle, you won’t be able to cut down to liability only policy. Because the entity that gave you the loan still has an interest in the vehicle, you need to keep the full coverage until the note is paid off.
In fact, if you try to change your policy and your bank finds out, there is probably a clause in your contract that gives them permission to add a full coverage policy and charge you.
The Difference Between Full Coverage and Liability Only
Any auto insurance policy will cover liability, with minimum coverage starting at the legal requirement mandated by law. Those limits are not very high, and if you are found liable for an accident resulting in a large amount of damage and/or injury, you will be responsible for paying the difference if your limits aren’t high enough.
A comprehensive policy offering full coverage will cover damages to your own vehicle, and can also include other important coverages. Depending on the policy, you may be eligible to get a rental car when your car is damaged or add roadside assistance.
Getting in a crash in Centennial, CO can be expensive. If you want to make sure you’re covered as much as you’re comfortable, call Compass Insurance and we can answer all your questions.
Snowboarding in or around Centennial, CO is a fun sport for people of all ages and experience levels. Like any sport it is important to be safe and aware of your surroundings. If you are new to snowboarding there are some safety measures that you need to be aware of before you hit the slopes. Here are a few tips to help you avoid accidents and injuries while snowboarding.
Simply being outside in the cold and snow can be uncomfortable, but traveling down a slope at a high rate of speed can quickly increase the cold as well as your risk of injury. It is extremely important that you wear the appropriate clothing and snow gear to prevent the risk of frostbite, sunburn and hypothermia. It is best to wear a few light layers of clothing instead of one heavy layer, which can restrict your movement. It is also essential that you wear eye covering, gloves and a hat and for some people, such as young children, a helmet is highly recommended.
Know the Slope Safety Rules
Safety is the number one priority when snowboarding, especially if you are new to the sport or have never been on a snow slope. It is essential that you are in reasonably good shape, which will help you retain your balance, without overworking your muscles and risking injury. To prepare for snowboarding, its best to stretch your muscles and do warm-up exercises before starting. As a beginner, you should never go alone and always start on the smallest slope, preferably with an instructor’s guidance.
Before you pack up and head off for your snowboarding adventure, it is important to make sure all of your insurance is up to date, including your health insurance and snowboard coverage. Be sure to talk with your insurance agent about what type of coverage you will need in the case of an accident or if something, such as theft occurs to your snowboard.
Residents of Centennial, CO who want to learn more information about snowboard insurance coverage, should contact Compass Insurance.