Drive Green: Environmentally Friendly Driving Tips

Hybrid vehicles aren’t necessarily the right choice for every driver in Longmont. That being said, there are still many drivers out there who are hoping to be more environmentally friendly in their everyday life, including their driving habits. With that in mind, here are some tips to help you “drive green” 

Tips for Environmentally Friendly Driving

  1. Slow down: Driving slower can actually help to save on gas. In fact, did you know fuel economy decreases about 1% for each and every mph over 55? You can even use your overdrive gears and cruise control to help keep a consistently slower speed.
  2. Smooth and steady: Hard starts and stops can burn a lot more gas than necessary. Avoid riding the brakes and instead keep your pace as steady as possible. Speeding up and slowing down consistently can mean more fuel burned. Not only is this helpful for environmentally friendly purposes, but it also means you can save money at the pump.
  3. Reduce additional weight: If there’s anything in your car you don’t need, be sure to empty it out. Remember: more weight in your vehicle means more fuel wasted.
  4. Check your tires: By keeping your tires filled you can improve fuel economy by up to 3%.
  5. Minimize idling: We know it isn’t always possible, but try to avoid idling whenever you can. If you’re stopping your car for longer than 30 seconds, you’ll save a lot more on fuel if you simply turn your engine off.
  6. Keep up with vehicle maintenance: While you’re busy focusing on all the other tips we just covered, basic car maintenance shouldn’t be forgotten either! Make sure you keep a  close eye on your car and complete checks regularly. The better shape your vehicle is in, the better it will run and the more you can save on fuel.

Call 1st American Insurance Today

We’ve covered several tips that not only help you drive in a more environmentally friendly fashion but also help you save money on gas too. At the same time, we know it’s also important to be sure you’re saving money while also having adequate car insurance in Longmont. We are ready to help and eager to offer our assistance! Call us today to find out what we can do for you.

Your Handy Guide to Longmont Car Insurance

Whether you have lived in Longmont your whole life or you’re planning a move to the area, there are plenty of important things to know about car insurance in Colorado you won’t want to miss!

Your Guide to Longmont Car Insurance

Luckily, you’re in the right place for all of the information you need.

Basic Insurance Requirements

Let’s begin with the basics: how much car insurance do you need in Longmont?

Each state has different requirements for their drivers. In Colorado, they look like this:

  • $25,000 for bodily injury or death to any one person in an accident;
  • $50,000 for bodily injury or death to all persons in any one accident; and
  • $15,000 for property damage in any one accident. 

While these are the minimum requirements, most drivers benefit from upping their limits. Otherwise, the risk of paying out of pocket after a collision is much higher. After all, car accidents can easily total tens of thousands of dollars in damage. If you only have the minimum car insurance requirements, you can see how these limits are easily surpassed.

In addition to upping your coverage levels, you also need to consider additional forms of coverage if you’re a driver in Longmont.

Additional Coverage

Most drivers also benefit from adding collision and comprehensive coverage to their policy.

In the event of a collision for which you’re at fault, collision coverage can cover the cost of the damages to your own vehicle. Otherwise, you need to pay for these yourself.

For damages not relating to a collison, including theft, vandalism, and fire damage, it’s important to look into comprehensive coverage. This coverage can apply to almost all forms of unintentional damage to a vehicle that aren’t related to a collision .

Where to Buy Insurance in Longmont

Of course, you also need to know where to turn for a new insurance policy or with any questions you might have about your policy. Trust the team at 1st American Insurance Agency with all of your coverage needs, as well as any questions you need answered. Call us today: 303-774-8810. 

Does Car Insurance Cover Rental Cars in Longmont?

So, you’re heading out on a road trip or perhaps your regular vehicle is out of commission. Either way, you’re left asking yourself if car insurance covers rental cars in Longmont, and today we’ll tell you all about that!

Does Car Insurance Cover Rental Cars in Longmont?

If you have your own car, you must have a certain amount of insurance (this amount varies from state to state) before you can take it out on the road. And if you have insurance, it will typically extend to your rental car. However, this isn’t always guaranteed and it can depend on your specific policy. 

Rather than relying on your rental car being covered by your personal insurance, a quick phone call to your insurance company is recommended you turn down any additional car insurance from a rental car company.

What About Collision and Comprehensive Insurance?

Good question! If you have collision and comprehensive insurance on your policy, these could also extend to the rental. But again, the only way to be sure is to speak to your insurance company ahead of time. 

Traveling Out of Country

Let’s say you’re taking a trip up north and you’re renting a vehicle in Canada or another country. In that case, you’ll usually need to purchase different insurance for your rental. Again, be sure to ask your provider as well as the company where you’re renting the car to find out. 

Consider Your Coverage Limits

Lastly, you’ll also want to consider the vehicle you’re renting and if it’s vastly different in value than the vehicle you own or lease. 

For example, let’s say your personal car insurance policy was created for a 15-year old vehicle worth less than $8,000 but you’re renting a vehicle worth $50,000 for a weekend. In that case, you’ll probably want to consider buying additional insurance to cover the cost of a more valuable car.

Another helpful tip is to contact your credit card company to find out about any coverage the card comes with if you book your vehicle with that card.
For more information or help with all of your Longmont insurance needs, call us today at 303-774-8810.

What is the Cheapest Car Insurance in Longmont?

Whether it’s at the pump, at the car dealership, or on their car insurance policy, most drivers want to be sure they are getting the best return on what they invest in their vehicle. With that in mind, it’s no surprise that many drivers are curious about the cheapest car insurance in Longmont. 

We will cover that question today, but we will also cover important considerations for purchasing car insurance in Colorado that includes the coverage you need. 

The Cheapest Car Insurance in Longmont

Generally speaking, the cheapest car insurance in Longmont or anywhere else in the United States is a policy that includes the bare minimum of state-required liability coverage. 

Each state has different requirements, but in Colorado, those car insurance requirements look like this:

  • $25,000 for bodily injury or death to any one person in an accident;
  • $50,000 for bodily injury or death to all persons in any one accident; and
  • $15,000 for property damage in any one accident. 

At first glance, you might be thinking, “Great! That’s the policy I will go with then!” But there are many reasons this isn’t always the best path to take. 

Balancing Cost and Coverage

Sure, a bare bones policy might cost you less per month. However, it also means you’re exposed to far greater financial risk in the event of a collision or another type of damage your vehicle is involved in.

For example, without any additional coverage, each of these scenarios would require you paying out of pocket for the damages if you are at fault:

  • Collisions with other vehicles or objects, or if your vehicle rolls over
  • If your vehicle is damaged from falling objects like rocks, trees, or other debris
  • Covering your lost wages in the event you are injured in an at-fault accident

In the event you have to cover these and other costs, there is a virtual guarantee they will cost more than the cost of adding additional coverage to your insurance policy. For that reason, most drivers consider purchasing full coverage car insurance in Colorado
This does not necessarily mean you need to go overboard with your coverage if your budget is a concern. Especially when you entrust your insurance services to 1st American Insurance Agency. We look forward to helping you find the right balance of coverage at a cost you can afford. Call us today!

What Does Full Coverage Car Insurance Mean?

We get a lot of questions about car insurance in Longmont, and one of the most frequently asked questions involves full coverage car insurance. More specifically, our clients want to know what it means, and more importantly, if they need it.

What is Full Coverage Car Insurance?

Let’s start by defining this term. When you hear of a “full coverage” car insurance policy it tends to mean one that not only includes the legally required liability insurance for your state, but that also has comprehensive and collision coverage as well. 

Minimum Insurance Requirements in Colorado

As for the legally required insurance, this varies from state to state. While higher amounts can be purchased, this is the minimum about of insurance drivers in Colorado are required to carry:

  • $25,000 for bodily injury or death to any one person in an accident;
  • $50,000 for bodily injury or death to all persons in any one accident; and
  • $15,000 for property damage in any one accident. 

Collision and Comprehensive Insurance

While the minimum insurance level is important, it doesn’t provide drivers themselves with financial protection for their own damages. 

For example, if you only have the legally required insurance and you’re at fault for an accident, it is your responsibility to pay for the cost of repairing or replacing your own vehicle. If you add collision insurance to your policy, however, you will have coverage regardless of who is at fault. 

At the same time, comprehensive insurance can also be used to cover the damages to your own vehicle, but it’s used when the damage is sustained from something other than a collision. For example, if your car was vandalized and you didn’t have comprehensive insurance, you would be left covering the repair costs on your own. Comprehensive insurance also covers things like vehicle theft, damage from falling objects, fire damage, and more. 

Do I Need Full Coverage Car Insurance?

Just reading the things that comprehensive and collision insurance cover can be enough persuasion to consider full coverage car insurance. If not, we encourage you to ask yourself this question: If your car was damaged or stolen, could you cover the cost of repairing or replacing it on your own? 

Most people answer no to this question which is why full coverage car insurance is a good choice for most drivers. 

The good news is, this type of coverage tends to be a lot more affordable than many drivers expect. To find out what a full coverage policy might look like for you, call us today for an estimate: 303-774-8810.

Car Insurance and Water Damage to Engines

Have you ever dealt with water damage to your car engine? If you have then you know it can lead to hydrolocking. This occurs when you’re driving during times of heavy precipitation, wet conditions, or when there’s excess water on the roads.

Water can damage your vehicle as it affects the internal combustion and causes the engine to seize.

If you live in an area that involves a lot of driving near or in water, then this is something you should definitely be preparing for. Here’s what you need to know!

What is Hydrolock Car Insurance?

Hydrolock car insurance is a type of insurance offered for hydrolock engine damage repair costs. These costs can be quite expensive because the damage takes a lot to fix. If your engine becomes hydrolocked because of water then you’ll need more than basic insurance coverage to get the costs taken care of.

Comprehensive car insurance will cover hydrolock damage. This is what you’ll need as a part of your car insurance policy in order to ensure protection.

What Factors Affect Your Insurance Rate?

It’s important to remember there are a lot of factors that can affect your car insurance, such as:

·       Age

·       Gender

·       Location

·       Driving history

·       Coverage type

Does Regular Car Insurance Cover Water Damage to Engines?

Regular or basic car insurance in Longmont only covers situations where you get in an accident with another vehicle. This means coverage for bodily injury and any property damage caused from the accident.

Because your engine doesn’t hydrolock in the event of an accident, regular car insurance doesn’t cover it. Unless you find yourself in a situation where your vehicle crashes into a body of water, which is very unlikely. That’s why it’s so important to look at other coverage in place.

If you have questions or are wondering if your car insurance policy covers water damage to your engine, we’re here to help! Give us a call today to review your policy and get answers to your questions.

What is Medical Payments Coverage and How Does it Work?

We know that medical payments coverage can be a confusing topic for many of our clients. To help clear up any knowledge gaps in this area, let’s discuss what medical payments coverage is and how it works in today’s post! 

What is medical payments coverage?

Medical payments coverage goes by a few different names, including medical expenses coverage or “MedPay,” but they each mean the same thing: insurance coverage for medical bills resulting from an accident–regardless of which driver is at-fault.

In no-fault states (there are 12 of these but Colorado is not one of them), this coverage isn’t available. But for drivers who have this option, it may need to be turned down in writing if they do not want it. 

How does medical payments coverage work?

MedPay coverage works by offering you, or anyone else injured in the collision, with coverage for resulting medical bills. It is especially useful for people whose own medical insurance has a high deductible. 

Medical payments coverage tends to have higher coverage limits and covers a broader range of treatments and services. It can give drivers a lot of peace of mind that they won’t face financial ruin if they, or their passengers, are injured in an auto accident.

It can cover a number of things, including:

  • Emergency room visits
  • Doctor visits
  • X-rays
  • Prescriptions
  • Chiropractic services
  • Surgery

What kind of coverage do I need?

In Colorado, car insurance is legally required with these minimums:

  • $25,000 for bodily injury or death to any one person in an accident;
  • $50,000 for bodily injury or death to all persons in any one accident; and
  • $15,000 for property damage in any one accident. 

Although MedPay may not be legally required, it’s beneficial for most drivers and it’s often more affordable than they think! Do you want to talk more about the insurance options that suit your needs and your budget? Give the team at 1st American Insurance Agency a call today to discuss your options!

Does Car Insurance Cover Theft? Here’s What You Need to Know

After you have dealt with the initial aftermath of discovering your vehicle has been broken into, your next question might be, “Does car insurance cover theft?” Today, we’re going to answer that question and how the answer varies depending on vehicle theft or items being taken from your vehicle.

Does Car Insurance Cover Theft if Your Vehicle is Broken Into?

First, let’s talk about what kind of coverage you might have if your car is broken into and your property is taken. 

Car insurance does not, in fact, cover theft if your vehicle is broken into and your property is taken. 

Instead, you would rely on your renters insurance or the personal property insurance on your home insurance policy for this coverage.

Another common question we get about what is covered by car insurance has to do with interior damage. Click here to read Is Interior Damage Covered by Car Insurance?

Does Car Insurance Cover Vehicle Theft?

Let’s say that instead of your property being taken from your vehicle, your entire vehicle was stolen. Will insurance cover the cost of repairing or replacing it?

Yes and no: yes, if you have comprehensive coverage in place, and no if you only have the legally required liability insurance.

This is just one reason comprehensive insurance is encouraged for most drivers. In addition to applying to vehicle theft, it can be used to cover the costs associated with damages from vandalism, storms, falling objects, fires, animal damage, and more. 

If you’re interested in learning more about comprehensive car insurance in Colorado, click here to read 3 Things You Need to Know About Comprehensive Coverage.

Find the Right Auto Coverage for Your Needs

Comprehensive insurance is a great option for most drivers, and for truly full coverage car insurance you will want to combine it with collision insurance. The amount and the type of coverage can vary from driver to driver. But rest assured, 1st American Insurance Agency is here for all of your car insurance needs in Longmont. 

Call us today and we will get started on the right policy for you: 303-774-8810

Cybersecurity Considerations for Working & Learning From Home

It’s as if 2020 has only continued to bring on new challenges. Children are now either learning from home, or are faced with going back into the classroom. At the same time, some adults are continuing to work from home and others are gearing up to head back into the office.

While we prove to be resilient and adaptable to the ongoing changes in our world, cybersecurity is one thing schools and businesses have become much more concerned with.

As safe as you might feel in the comfort of your own home, there are still a variety of cybersecurity risks you’ll face. And as many of us are spending more time at home than ever before, it’s an important time to make sure your cybersecurity practices are sufficient.

Cybersecurity Risks When Working from Home

Regardless of where you are in terms of your everyday location, one challenge we all continue to face is the security of our technology. 

This is especially true for those who work from home as remote devices are more difficult to manage. Phishing scams only continue to progress, and data is becoming more and more vulnerable to breaches.

How to Stay Cyber Secure Working from Home

Security should always be a main priority – for any business of any size. Luckily, there are some security best practices to follow and use when it comes to working from home.

  • Use virtual private networks
  • Stay away from using public Wi-Fi where information can become more vulnerable
  • Use multifactor authentication to get into your systems
  • Update software consistently
  • Only devices that are approved by the business or school itself should be used while working remotely
  • Secure endpoints
  • Encourage remote workers to come up with strong passwords

Utilizing these best practices is the greatest way to ensure your data and information stays protected. It’s up to schools and businesses to communicate these best practices to employees, parents and students in order for them to be effective.

Frequent communication could make all the difference in whether or not a breach takes place, and security is the responsibility of everyone. It’s important we are all aware of this fact.If you would like to learn more about data and security, and what you can do to stay protected, contact us! We would be happy to share our knowledge and help make sure you and your business or school are safe.

Is Interior Damage Covered by Car Insurance?

When you think of vehicle damage, a dented bumper or a smashed windshield might come to mind. But what about interior damage? 

If you’re dealing with things like ripped upholstery or damaged speakers, the repair costs can be astronomical. So it’s no wonder one of the most common questions we get from our clients is this: “Is interior damage covered by car insurance?” 

Is interior damage covered by car insurance?

We’re glad you asked! It’s important to understand your car insurance coverage, and it’s especially beneficial if you understand it BEFORE you need to use it. 

Like most types of vehicle damage, coverage for interior damage depends on how the damage occurred as well as what kind of coverage you have in place.

Interior damage from collisions

In the unfortunate event you’re in an accident and the interior of your car sustains damage, there are a few ways insurance could cover the repairs. 

First, if the accident is considered the other driver’s fault, their own insurance could go toward repairing the damage.

But let’s say you’re responsible for the collision. 

In that case, you’ll need collision insurance in place! If you only have the legally required minimum insurance, it won’t include coverage for repairing or replacing your own vehicle after an accident for which you’re at fault.

If you add collision insurance to your policy, it can help cover repairs and replacement from damage sustained in collisions with another vehicle, an object, or if you’re in a single vehicle collision (like a rollover). 

Damage not related to collisions

There are all kinds of ways your vehicle’s interior could get damaged that have nothing to do with an accident! 

All too often, we hear stories of campers who leave their car doors unlocked only to discover their upholstery has been torn to shreds by wildlife. When that happens, will insurance cover the damage?

In that case, you’ll want to have comprehensive coverage on your policy. This insurance applies to damage from non-collision related events, including animal damage like we just mentioned, as well as damage from falling objects, storms, vandalism, and theft. 

What kind of interior damage is covered by auto insurance?

Here are a few examples of interior vehicle damage that could be covered by your comprehensive or collision insurance:

  • Upholstery damage
  • Speaker damage
  • Interior vandalism 
  • Seat damage
  • Dashboard damage
  • Floor and trunk mat damage
  • Steering wheel damage

Are you interested in learning more about the Colorado car insurance options that give you the kind of protection you need for whatever comes your way? Get in touch today: 303-774-8810.