Buying classic car insurance in Lafayette, CO does not mean you must call every insurance provider personally and ask for a quote. It is possible to obtain quotes online and compare different rates without wasting your time with tedious phone calls.
An independent agency offers the opportunity to use online tools to compare different plans and rates from the top insurance providers in the local area. The quotes give you an estimate of the cost associated with protecting a classic vehicle, but you should provide as much information as possible to get the most accurate estimate.
By comparing several plans, you can avoid unnecessary hassles when you are looking for coverage and you can ensure that the rate is affordable. Furthermore, an agency offers more options to help you find the best plan based on your personal budget and preferences.
When you are not sure about different policies or you have questions, comparing the quotes online will still allow you to gain assistance from an independent agent. You can use online chat features to talk to an agent directly or you can call the agency at any time of the day or night to get help with the tools. An agent can provide additional details or advice regarding your options so that you can make the best decision for your policy. The online quotes give you a place to start when you are looking for a new policy, but you can still gain professional assistance when questions arise.
Classic car insurance is an important part of protecting your assets, but that does not mean you have a limited number of options. To learn more about protecting a classic car and the coverage that is available, contact us to talk to an agent today.
According to a 2012 poll by the Insurance Information Institute, around 96% of homeowners had homeowners’ insurance–compared to only 31% of those who rent an apartment or home. Why the gap?
Experts agree that renter’s insurance is worth it; the additional security it provides can mean the difference between an inconvenience and a financial disaster. Here’s what you need to know when deciding whether or not to purchase a renter’s policy.
1. What Renter’s Insurance Covers
Every policy varies, but most renter’s insurance policies cover the following:
- Personal possessions. If your property is damaged because of fire, vandalism, theft, or water, your renter’s policy will cover them up to specified limits.
- Liability coverage. This feature protects you against liability in case another person is injured or their property is damaged by you or your family members.
- Living expenses in case of disaster. If a fire, water leak, or other issue makes your home unfit to live in for awhile, this type of policy often covers a hotel room, food, and other expenses incurred as a result.
2. Can I afford it?
The good news is that renter’s insurance costs significantly less than homeowners’ insurance policies, because you’re not insuring the structure of the building itself. According to TheSimpleDollar.com, depending on the limits of the policy, most renter’s policies average $185 per year–that’s just over $15 per month to cover your personal property. Most would agree that’s a very worthwhile investment.
3. Comparing Options
When purchasing renters insurance in Westminster, CO, your best bet is to talk to an independent agent who can get you quotes from several different insurance companies and go over the specifics of each potential policy with you so you understand exactly what is and isn’t covered. Thankfully, finding the perfect renter’s policy doesn’t have to be a headache–it just takes a little time and effort to make sure your investment is protected.