Auto Insurance

The New Year can be a pretty enjoyable time. You get to celebrate with friends, kiss your significant other and drink champagne on a Sunday night at midnight (at least in 2016). Then you wake up, probably a little groggy, but you have this fresh start to look forward to this year. You’re going to make changes for the better. You’ll budget your finances more effectively while you work out more – it’s going to be great! You certainly aren’t worried about rising auto insurance rates…

Fast forward. Suddenly it’s March and your taxes are almost due… great. “Wait what’s this?” A letter from your insurance company comes in the mail, but it’s probably good news on savings. After all, you filed no claims and made your payments on time. “Wait, this can’t be right. My rates are raising by how much this year?!”

Colorado auto insurance customers have been reliving this moment all over the state in 2017. The pinch has been especially hard on some. Customers are seeing a raise of 15% or more in their rates. So what happened, and more importantly what can you do about these rising auto insurance rates?

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Now that school is back in session for the fall, it’s time to talk about teen driver safety. Many new drivers will be getting their licenses or attending driver school this year. Every year a good percentage of teen drivers will also get into accidents. Help prevent a potential accident with your young driver by spending plenty of time driving as a passenger with them. You’ll also need to talk about the potential dangers they face on the road. This is important even though they were already exposed to it in driver’s ed.

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After the exhausting process of shopping online and scouring car lots, you’ve picked out a new car that’s right for you. It can be a lot of work to just shop for a car, but it’s important to factor in new car insurance before you make your final decision. Whether you lease or buy, the dealer isn’t going to let you drive off the lot without insurance. Make sure you know all about new car insurance before you buy with this guide.

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We’re always looking for a balance when we choose insurance. We want good coverage but more importantly we want maximum savings. Sometimes the desire for the best price negatively impacts your coverage. You may even opt for something insufficient or even a company that is difficult to deal with. This is the dance we all do with insurance, especially coverage like auto insurance. Often times the auto insurance customer finds they’ve made the wrong decision only when they have to deal with a claim.

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Why do my auto insurance rates keep going up even though my car is getting older?  At Square State Insurance Agency, many of our clients ask this question so I would like to address it from a couple of angles.

First things first, even though it’s called car/auto insurance, it covers more than just your car. It should technically be called “auto-owners” insurance, similarly to how home insurance is actually called “home owners insurance”.

It’s important to understand that there are a lot of variables that go into insurance premiums, and with auto insurance, it’s no different.

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Once again winter is around the corner, and it is time to turn your attention to winterizing your car. This is especially important in Colorado, and as we all know, the weather can change here in a matter of minutes. But as Halloween approaches and the leaves start to fall, it can be hard to know where to start. Well not to worry, we’ve put together a list of important car winterizing tips to get your started. These tasks will not only help your car run more efficiently in the winter, they will also help with something even more important: avoiding winter accidents and the auto insurance claims that come with them.

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It may not seem like it when you get on the expressway during rush hour, but the number of drivers and auto owners is down, something that hasn’t happened for a very long time. The reason rests primarily with drivers 35 and under, or millennials as some call them, and the fact that they are driving less or deciding not to drive altogether. Let’s examine the reasons why younger generations are driving less, why they might still need auto insurance, and the low mileage insurance options that Square State offers to help reduce costs for those who don’t drive very often.

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Do you work for a ride-sharing company like Uber or Lyft? If so, then you need to call your insurance agent before you consider taking another fare. You may have thought that some combination of your personal auto insurance and your ride-sharing company’s insurance had you completely covered, but the fact of the matter is that neither insurance can fully insure you from every claim you might encounter. While some states are working on legislation to bridge this gap, Colorado has not passed any measures yet, and you need to address this problem yourself. But don’t panic. Let’s examine this gap in coverage and how you can protect yourself from this little known insurance technicality.

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A traffic stop almost always catches you off guard. Now you’re pulled over with an expired auto insurance card, and the officer walking up to your window is about to ask to see it alongside your driver’s license. What do you do? Are you stuck with that pricy ticket? Well no, you’re not necessarily going to pull away from the curb with a ticket, but you will have to be polite, and you’re going to need a smart phone. Let’s examine what to do if you’re in this situation.

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