How to Save On Your Energy Bill This Winter

The winters in Lafayette, CO can get pretty cold. Unfortunately, this can also mean a high heating bill. Are your energy bills consistently high during the winter? At 1st American Insurance Agency, we recognize that costs add up. Fortunately, there are some simple measures you can take to help lower your monthly energy bill. Most of these only take a few minutes of your time. However, if you would like to save on energy costs, they are certainly worth doing!

Turn Down the Thermostat

We don’t want you to freeze all winter long, however, did you know that you can save significantly by turning your thermostat down just one or two degrees? If you are willing to put on a warm robe or sweater and keep it a little cooler, you will see a difference on your next bill.

Regularly Clean Your Furnace

While most people recognize that they need to change out the filter for the air conditioning each summer to keep it running efficiently, they often forget about this in the winter. If you make it a habit to change the filter out every two months, you will increase its efficiency by a full 50 percent.

Check Your Energy Bill Rates at Different Times of Day

It is quite common for energy companies to charge higher rates during what they consider to be “prime” hours of the day.  These rates go down during other parts of the day such as early mornings and later in the evening. Look at your rates and try to run appliances like the dishwasher or washing machine during times with lower rates. At 1st American Insurance Agency of Lafayette, CO, we hope you find these tips helpful for saving on your next energy bill. 

Tips For Keeping Auto Insurance Low When Adding a Teen to Your Auto Insurance

When you add a teenage driver to your auto insurance policy, you can expect your rates to increase. This is because teenage drivers are inexperienced and thus, more likely to be involved in an accident. However, this does not mean that you need to pay an insane amount of money to let your teen drive. Here are a few tips for keeping your auto insurance as low as possible when adding a teen driver.

Have Your Teen Take a Defensive Driving Course

Many insurance companies will reduce a teenage driver’s auto insurance rates if they take part in a defensive driving course. Those who take this course are less likely to be involved in an accident, which helps to negate some of the risk that an insurer has when insuring a teen driver. As such, this is a great place to start when trying to lower auto insurance rates for a teen driver.

Shop Around for Auto Insurance Rates

Another tip for keeping auto insurance rates as low as possible when adding a teen driver is to shop around with various companies. Your existing auto insurance company may have high rates for teen drivers. But unless you shop around, you won’t know it. It can be hard to leave your comfort zone, but checking rates with other companies will help you get the best possible rate for your teenage driver.

If you are looking for a new auto insurance policy for you and your teen or just for your teenager, 1st American Insurance Agency, serving the greater Lafayette, CO area, would love to help you. We offer affordable rates for drivers of all ages. Call us today to set up an appointment to discuss your needs and to get a price quote.