For some people, the RV is more than just a special trip. It’s the way they live. For a lot of retirees and adventure seekers, they have made their RV their full-time home.

If you’re a full-time RV resident, or you’re considering this option, there are some special insurance factors you should be aware of.

Full-Time RV Requirements

If you become a full-time RV’er, there are a lot of insurance coverage which is normally covered under your homeowner’s insurance plan. You need to get some additional protection which won’t be covered under a standard RV policy. 

A full-time RV insurance policy is going to be very similar to a homeowner’s insurance policy. Regardless of what you consider “home,” you need to make sure it’s covered.

Let’s look at some of the important parts of an RV insurance plan.

Personal Liability

Maybe you want to travel to see friends or family while you’re riding around in your RV. Maybe you’re meeting some new friends, who knows. But regardless of who will be coming in and out of your RV, you need liability coverage.

If someone were leaving your RV, and they tripped down the steps, they could seriously hurt themselves. This is why liability insurance is important.

If you’re held responsible for any injuries or damages, the other person can legally sue you. Your personal liability can offset those expenses. Depending on the carrier, you can get up to a million dollars in liability protection.

Medical Payment Coverage

As a part of liability, you’ll also need some coverage for medical bills. If your family member or friend hurt themselves while they were on your RV, or the property around your RV, you would be responsible for paying those hospital fees (depending on the situation).
Similarly, if you’re driving down the road, and you have a wreck, this coverage can pay for any medical fees because of the driving accident.

Depending on the plan and the insurance carrier, you can get $5,000 per person for medical bills. Some carriers offer more, but you want to ensure you have at least this much protection.

 Personal Belongings Protection

If you live in your RV, then just about everything you own (or just about) is on your RV. What if something awful were to happen? Theft or damages.

If you have the proper RV insurance policy in place, your plan should help you replace some of your things. Just like with a homeowner’s insurance plan, the amount of coverage you get can vary depending on the policy.

Replacement Protection

Whenever you’re on the road, you never know what’s going to happen. You can drive as carefully as possible, but anything could happen.

If something awful were to happen, and you ended up totaling your RV, you’re going to need a good insurance policy to replace your RV.

This is one of the most important parts of any RV insurance policy. This RV is more than just your vacation spot, it’s your home. If you were ever in a wreck, what would you do? You need to have the insurance plan in place to get another RV and get back on the road.

Getting Full Time RV Insurance

When you’re looking to go full time with your RV, there are a lot of factors you’ll need to consider. IT can be a frustrating transition.

Finding an insurance plan to give you the cover you want can be just as difficult. The vast majority of insurance companies don’t have a full-time RV plan. You could spend days calling different companies just to be told “no.”

If you’re in the Denver, Colorado area, and you want to gas up your RV and hit the road, give one of our agents at Longevity Brokers a call.

Unlike some insurance agents you’ve worked with in the past, we aren’t captured agents, meaning we aren’t tied to a single carrier. Instead, we have built partnerships with a variety of carriers, some big, some small.

What does this mean to you? It means we can do all of the shopping and comparing. Instead of you having to call a variety of different companies, we can do it for you.

We know which companies have the best plans for RV owners. Also, if you have questions about your RV protection, let us know. We have years of experience in the insurance industry.

Use our contact page or call us at (720) 209-4598.

The post RV Insurance for Full Timers appeared first on Longevity Insurance Brokers.

If you leave work one day or come out of your home to find your car broken into, what are you going to do? Is your auto insurance policy going to do anything about it? Are your things gone for good and you’re out of luck??

These are a lot of the questions we hear from clients about their car insurance policy. We want you to understand exactly what coverage your car insurance provides.

Car Insurance and Break-ins

To answer the question of “does my car insurance cover break-ins?” let’s go through a hypothetical situation. 

You go out to your car in the morning to leave for work. You’re shocked to see your windows are busted, and all of your stuff has been rifled through. You’re devastated. You call the cops, file the report, but now you’re not sure what to do next.

Well, here is the thing. Your auto insurance company won’t replace anything which is stolen out of your car. If the thief grabbed your laptop, your car insurance would have nothing to do with that.

Hopefully, this is where your homeowner’s insurance comes to the rescue. Depending on your policy (and most of them should), your home insurance or renter’s insurance will pay for you to replace the stolen goods if they were taken out of your driveway or garage.

What about the damage to your car? Luckily, this is where your car insurance carrier will help. If your windows were broken into to steal your things, the insurance policy would pay to get them fixed.

Similarly, if your locks are broken, or there is paint damage then you can file a claim, and it will be covered. While these might seem like minor damages, it can rack up some serious costs.

Which brings us to one of the tips we give to clients who have had a car break-in.

If your windows are broken, or you have some minor damages, don’t automatically file a claim. Yes, we know that’s weird to hear from insurance agents, but it’s the truth.

Depending on your deductible, it could be most cost-efficient for you to pay to fix your windows out-of-pocket instead of paying the deductible. Take the time to get a quote or two before you file the claim.

Protecting your Car From Break-Ins

At Longevity Brokers, we not only want to help you get the most affordable and quality insurance coverage to protect your home and your car, but we also want to give you the knowledge to prevent those things from happening.

There is no way to completely guard yourself against having a car break-in (aside from not having a car), but there are some things you can do to decrease the chances.

The first thing is obvious, lock your doors. Even if you’re going to be gone for a minute, always lock your doors. You would be surprised at how quickly a thief can get into your car, grab your things, and be gone. If the locks on your car are broken, get them fixed as soon as possible. It’s a small investment which can save you thousands of dollars and hours of frustration.

Another simple thing you can do is to keep any valuables hidden in your car. If you keep jewelry, electronics, or clothes in your car, try and hide them in the back seat or under something else. You don’t want to give the thief any incentive.

What to do if Your Car is Broken Into

If it ever happens, there are going to be a million thoughts running through your head. It’s scary and emotional.

The first thing you should always do is call the cops. In every situation, you should always call 911 as soon as possible.

Additionally, don’t touch or move anything from your car. Your first impulse is going to be to look through your car and see what was taken, but don’t! Leave everything the way it is.

After you’ve filed the report with the cop, and they have cleared you to get into your car, then you can see what has been taken. Take inventory of all the stuff. At first, you may not realize what has been stolen aside from the obvious.

Once you’ve had time to take stock of your goods, then you can file any claims necessary. This might be with your homeowner’s insurance carrier or with your auto insurance company.

Insurance with Longevity Brokers

Auto insurance and car break-ins are something we get a lot of questions about. Sadly, there are millions of thefts every year.

At Longevity Brokers, we want to protect your car, your house, and much more. If you have any concerns about your auto insurance or homeowner’s insurance, let us know.

We can give you quotes from dozens of companies. We pride ourselves on giving the best insurance protection in the Denver, Colorado area. There are two ways you can contact us, either through our contact page or a call at (720) 209-4598.

The post Does Car Insurance Cover Break-Ins? appeared first on Longevity Insurance Brokers.

For the past several years, auto insurance companies have reported minor profit margins or even negative profit margins. If they are not earning money on their policies, you can expect them to raise the rates.

Why are Rates Going up?

Businesses make money by having higher revenues than expenses. The higher the revenues versus their expenses, the more money they are going to make. With an insurance company, it’s a little different. The auto insurance companies make their money from their premiums and their expenses include the payments they make for repairs.

Every year, the insurance companies look at how much they have made versus how much they had to pay in expenses, which includes payouts to claims. The major companies were barely making money on their premiums. There is one simple way to solve this problem, raise premiums. 

There are several reasons the insurance companies are losing money, but one of those is because of weather. In the past year, there was a lot of natural disasters which caused auto damage. The majority of those repair bills were sent to the insurance company, which are the comprehensive claims. According to the Insurance Information Institute, the average cost of these claims was $1,700. A lot of these were a result of the severe hurricane season in 2017. To offset those losses, the insurance companies have little choice other than raise their premiums for another year.

Not only did Mother Nature play a major role in raising your rates, but other drivers are part to blame as well. Statistics show there have been drastically more crashes in the past several years than ever before. The insurance companies see these statistics and they are looking to offset the additional risk. Last year, in 2018, slightly over 22% of households had at least one claim on their auto insurance policy, which is almost 2% higher than in 2014.

Cheaper Auto Insurance In Denver

If you’re like most people, the idea of paying more for your auto insurance makes you groan. You have to have an auto insurance policy, but you can’t imagine having to pay EVEN MORE for your coverage. It can be very frustrating for a policyholder who hasn’t made any claims, but is forced to pay higher rates every year.

There are a few things you can do to secure lower insurance rates for your car coverage. Just because you have to have a plan doesn’t mean you have to pay for a plan which breaks your bank account every month. Making a few simple changes could save you money on your coverage.

The first thing you should do is take a long hard look at your deductible. If you want to save money every month, call your insurance agent and talk to them about raising your deductible.  The deductible is the amount you have pay out-of-pocket before your insurance coverage comes in. If your deductible limit is at $500, you can consider raising it up to $1,000 which will significantly lower how much you have to pay every month. This could save you as much as $200 or $300 every year on your insurance plan.

Another way you can save money is to usage-based driving insurance. These policies are very different than a traditional insurance company because they base your rates on how much you drive. Think of it as a “pay-per-mile” insurance coverage. This is an excellent choice for anyone who doesn’t drive a lot every year.

Ask for discounts from your insurance company. It may seem a little ridiculous, but if you want to save money, try asking. Most insurance companies offer dozens of different discounts for policyholders who are apart of certain groups, who haven’t missed a payment, or who bundle their policies. It doesn’t hurt to ask, and it could save you money.

With your premiums going up (probably not for the first time) now is a good time to do some comparison shopping for your auto insurance policy. The ten biggest insurance companies were struggling to cut a profit, which means their rates are going up, but it doesn’t mean ALL insurance companies are going to raise their rates. With these higher premiums, there might be a cheaper option on the market. If you want to save money, look for a cheaper option. If you’ve had your plan for several years, there could be several cheaper options.

Working with Longevity Brokers

Instead of spending hours calling insurance companies to get quotes for your car, let us do the work. We aren’t your traditional old insurance broker. We can connect you with the best auto insurance companies in the Denver area. Also, we can work with you to help you save as much money as possible on your auto insurance plan and answer any questions you have.
Auto insurance is the most confusing type of plan out there because of all the optional coverage and additional protection you can have. We are here to answer your questions and walk you through the process. If you want to save money, contact one of our Longevity Brokers today.

The post Car Insurance Rates on the Rise appeared first on Longevity Insurance Brokers.

Your Driving Record

The obvious thing the insurance company is going to review when you apply for coverage is your driving record. The goal of the auto insurance company is to determine how much risk you are for car insurance. The riskier you are, the more you’re going to pay for your plan.
During the application process, the company is going to pull your DMV records, and they are going to have a huge impact on how much you pay for your coverage. The safer you are as a driver, the more you can save. When you’re on your morning commute, slow down. IF you have a speeding ticket, it could cause your rates to go up by 30% or more.
If you have a lot of violations or accidents on your driving record, there is a chance you can get rejected for coverage. There are a lot of companies on the market which don’t get high-risk applicants insurance coverage.

Vehicle Type

Not only will HOW you drive impact your rates, but WHAT you drive is going to impact them as well. Insurance companies are going to look at various kinds of data. If drivers of your same model car have been in more accidents, then your rates are going to be higher. Additionally, they are going to look at other factors like,

• Results from safety tests
• Average costs of repairs
• How often the model is stolen
• Average purchase price

Sure, it seems a little unfair to pay higher premiums because of other drivers, but insurance companies want to use all of the information available. If you want to save money on your insurance coverage, you need to find a safer vehicle with extra safety features, but more features don’t automatically equal lower rates.

Age

You probably know people are going to get lower insurance rates if you’re over 25, but that’s not always necessarily true. The younger a driver is, the more risk they are for auto insurance. They have fewer years of driving experience, and they are more prone to accidents.
Once you reach 25, you’re probably going to get lower rates, especially if you haven’t had any accidents or violations. The rates you get once you hit 25 or 26 are going to stay about the same for most of your life.
There is a chance you’re going to pay more as you get older. Depending on the company and your driving record, seniors could start to pay increased rates because of possible vision problems or slower reactions.

Marital Status

You might be surprised to learn that married people pay less for their car insurance compared to single people. As odd as it is, married people are less likely to be car accidents, and there are several theories on why this might be true.
The obvious reason is married people drive less than single people. The less you drive, the less chance there is you’re going to be in an accident.
Another theory is married people tend to be more stable and take fewer risks when they are driving. They are less likely to speed, be convicted of DUI, and much more.

How much you Drive

The more you drive, the higher your chances are of being in a motor accident. If you work from home, or you have a very short commute to work, make sure you let your insurance company know, it could mean much lower insurance rates.
Even if you already have an auto insurance plan, but you’ve changed jobs, or you don’t drive as much, then you can get your rates updated. Not only does how much you drive impact your rates but where you drive. If you used to work in the middle of a city, but now you work in a rural area, then you can save money.

Working with Independent Insurance Agents

Every auto insurance company is different, and all of them have different rating systems and ways they calculate risk, which means the rates you get could vary wildly depending on who you contact. It’s vital you contact dozens of companies before you choose the best one for you.
Instead of spending hours and hours calling various companies in the Denver, Colorado area, let one of our independent insurance agents do all of the hard work for you. We work with all of the best companies in the Denver area, and we can bring a personalized set of rates directly to you. We have years of experience working with all kinds of applicants.
If you have any questions about auto insurance or you want to save money on your coverage, please contact us today. You can use our contact page or give us a call at (720) 209-4598

The post 5 Things that Make your Car Insurance More Expensive appeared first on Longevity Insurance Brokers.

There are a couple reasons you should bring out those insurance plans every year. In fact, it could have a huge impact on your life and your finances.

At Longevity Brokers, it’s our mission to ensure you’re getting the best coverage for you and your loved ones. This article is going to look at some of the advantages of reviewing your policies every year. We can help you find the best life insurance plans, homeowner’s insurance policies, auto insurance plans, and much more.

Saves Money

One of the biggest benefits of looking at your plans every month is  it could save you money. If you have had the same plans for several years, then you could be paying way too much for your insurance plans every month. 

Every year more insurance companies enter the market. With more competition and more options, there could be much more affordable options for your insurance plans. Most people buy their plans from someone they know, or they choose the first policy quote that they get. That could be one of the worst mistakes

At the beginning of every year, take some time to look at your plans and get some new quotes for your plans. Comparing quotes is one of the best ways to ensure that you’ve got the lowest rates available.

Instead of wasting your time calling companies, let one of our independent insurance agents do all of that hard work for you. We work with dozens of highly rated companies across the nation. We can help you compare your auto insurance coverage, your homeowner’s insurance, and any other plans that you hold.

Increase Coverage

Your life is always changing, which means your insurance plans should be changing with it. If you haven’t looked at your policies in several years, then you could be drastically underinsured. This could apply to just about any policy that you have.

For example, let’s say that you’ve had a child in the past year, but you haven’t reviewed your life insurance application. There is a good chance your life insurance play is way too small. Not having enough life insurance is one of the worst mistakes you could ever have. Additionally, if you’ve gotten married, you’ll need to increase your insurance coverage.

To decide how much life insurance you can buy, there are a few categories you need to calculate. The first number you should add to the equation is your debts and final expenses. If you have purchased a home or taken on more debt in the past several years, then you will need to increase your insurance coverage. Make sure your life insurance plan is large enough for your family to pay off any debts and final expenses your family would be responsible for if you passed away.

The next number  you need to toss into the equation is your annual income. The secondary goal of your life insurance is to replace your paycheck if something were to happen. The more dependents you have, the more life insurance you need.

Drop Plans or Coverage

Another way you can save money is to drop any plans that you don’t need or to trim down some of the supplemental coverage you’re paying for. Having plans and coverage you don’t need anymore can be a massive waste of money.

Instead of letting those plans collect dust, take them out, and decide if you really need them. One way you can trim down some of the coverage is to raise the deductible for your auto insurance or your homeowner’s insurance.

 Working with an Independent Insurance Agent

There are over 800 insurance companies on the market, and all of them are going to have different rates. It can be a long and difficult process to find the best protection for you and your family.

If you’ve reviewed your insurance plans, you may have decided you need to find a different policy or get additional coverage. That’s where we come in.

It’s our mission to ensure you’re getting the best rates. Not having the proper insurance policies can leave you or your family with a massive amount of debt and other expenses. You never know what’s going to happen tomorrow, which means you shouldn’t wait any longer to get the insurance coverage that you deserve.

If you have any questions about any of your insurance plans, please contact one of our agents today. We have years of experience helping our clients in the Denver, Colorado area get the coverage that they need. Use our contact page or give us a call at (720) 209-4598.

The post 3 Reasons Insurance Policies should be on your New Year’s Resolutions appeared first on Longevity Insurance Brokers.

If you’re like most people, your motorcycle is like having a child. It’s one of your favorite purchases. While you might be an extremely safe driver, you never know about everyone else on the road or when mother nature is going to damage your bike. That’s where motorcycle comes in.

At Longevity Brokers, we know that shopping for insurance protection, regardless of what type of plan that is it, can be a long and confusing process. That’s why we are here to help. It’s our mission to ensure that you have all of the quality insurance plans that you need. Everything from homeowner’s insurance to motorcycle insurance.

Do you Need Motorcycle Insurance?

Every state has different requirements when it comes to auto insurance and motorcycle insurance. With Colorado, there are going to be a few basic requirements that you’ll have to meet. First, you’ll have to have at least $25,000 worth of protection per person for bodily injury. Additionally, you’ll need to have at least $50,000 per accident for bodily injury and $15,000 of coverage per accident for property damage. 

As long as your insurance policy meets those requirements, then you’ll have the coverage to meet Colorado law. While that’s all that you HAVE to have, you should still consider getting some additional coverage. There are several options for additional protection that you can purchase to add on to your plan.

Additional Coverage

One popular option for coverage is to add collision. This type of coverage will pay for any repairs to your motorcycle after an accident. This is a great way to protect yourself from having to pay thousands and thousands of dollars if you were to run into something.

On a similar note, you can also purchase comprehensive coverage, which is popular for both motorcycles and with traditional auto insurance plans. Comprehensive coverage some of the best coverage that you can purchase for your plan. Comprehensive coverage would pay for any bills or repairs if something were to happen to your bike that wasn’t an accident. For example, if a tree limb were to fall on your motorcycle, that’s where comprehensive coverage would kick in. With a traditional motorcycle insurance policy, the damage wouldn’t be covered and you would have to pay for all of those repairs out-of-pocket.

If you’re worried about something very drastic happening to your bike, then you should consider adding on total loss coverage to your motorcycle. As you can probably guess from the name, if your bike were to get totaled, the plan would pay the manufacturer’s retail price of a current model of the same make. If you don’t have this coverage, you would get paid the actual cash value, which means that you’ll get paid what your bike was worth that day. If the bike were several years old, then you won’t have the money that you need to get a new bike.

How Much is Motorcycle Insurance in Denver, CO?

When you’re shopping for motorcycle insurance, there are dozens of different factors that are going to determine how much you pay for your insurance plan. Everything from your age to the size of your bike, which means that it’s impossible for us to say how much you’ll pay for your plan without knowing the exact details. It’s important that you find the lowest insurance rates possible. Your motorcycle coverage shouldn’t break your bank every month.

Additionally, there are dozens and dozens of different companies that you can choose from. Each of them is going to offer you different rates based on their rating system. The quotes that you get from two different companies could vary wildly. When you’re looking for an average motorcycle quote, with the very few additional coverage packets, you can expect to pay around $375 a year for your bike. Some companies are going to be much higher, while you might find a few lower. Keep in mind that is a rough estimate based on averages in Denver, Colorado. If you want to add additional coverage, like comprehensive, your policy is going to be more expensive.

Buying Motorcycle Insurance

If you want to get the cheapest insurance policy, regardless of what type of plan that it is, it’s critical that you compare dozens of companies before you decide which one is going to work best for you. As we mentioned, every company is going to have different premiums. Finding the best company for you could save you hundreds of dollars every year.

Instead of taking hours to call all of the companies yourself, let one of our independent agents do all of that hard work for you. At Longevity Brokers, we are a group of independent insurance agents that are dedicated to helping you find the perfect plan for you and your bike. We work with all of the best companies around, and we can bring all of the best premiums directly to you.

If you have any questions about motorcycle insurance, homeowner’s insurance, or any other type of plan, please contact one of our experienced agents today. We would love to answer any questions that you have and help ensure that you have all of the insurance plans in place to ensure that you and your loved ones have the protection that they need. Feel free to call us at (720) 209-4598 or use our contact page. 

The post Do you Need Motorcycle Insurance in Denver, CO? appeared first on Longevity Insurance Brokers.

Auto insurance is required by law, but it’s vital that you have the protection that you need. Not having adequate car insurance could leave you with some massive bills or repairs that you’ll be responsible for. This article is going to look at the different factors that you should compare when you’re looking for auto insurance.

At Longevity Brokers, it’s our mission to provide the Denver, Colorado area with the perfect insurance coverage. We help our clients find the most affordable homeowner’s insurance, auto insurance, and much more. This article is going to look at some of the ways that you can get quality car insurance at a low price.

Buying Life Insurance – What You Should Know

Before you purchase life insurance or decide which company to choose, you should take the time to research your state’s requirements for insurance coverage. Each state is going to have different minimum amounts of coverage that you’ll need to have. You need to make sure that you at least purchase enough coverage to meet those thresholds. In Colorado, there are several requirements that you’ll have to meet if you want to drive legally. Colorado law states that you’ll need $25,000 per person for bodily injury, $50,000 per accident, and $15,000 per accident for property damage. Additionally, you’re going to need some uninsured motorist coverage well, at least $25,000 per person for uninsured/underinsured motorist and an additional $50,000 per accident. 

The next thing that you should do is take a look at your finances and decide how much that you can afford to spend on auto insurance every year. Depending on the type of coverage that you buy and how much additional protection that you purchase, your monthly premiums could start to creep up and up. Your auto insurance plan shouldn’t stretch your budget too thin.

If you currently have auto insurance, you need to look at your current policy and see how much you’re paying for that coverage. If you’ve had the policy for several years, you probably haven’t taken a look at your plan recently. You could be paying way too much for your coverage or have additional coverage that you don’t need anymore.

Now that you know how much you can spend and how much coverage that you need, you can start calling insurance companies. Every company is different and has different rating systems that they are going to use, which means that you’ll get drastically varying rates depending on the company that you choose. Finding the perfect company is the difference in getting an affordable policy or one that breaks your bank.

One way that you can narrow your search is to do some research beforehand. Thanks to the Internet, shopping for an insurance policy has never been easier. Before you choose a company, look up some reviews on what their current customers or previous policyholders have said about the coverage, the policies, and the customer service. The best way to learn about a company is to see what other people have said about them. Remember that when you’re looking at reviews, that there are always going to be some disgruntled customers that have negative things to say. Take all of the negative reviews with a grain of salt. Instead, look for any trends in the complaints that you see.

Once you’ve contacted some companies and received some quotes, then you can decide which one is going to offer you the lowest rates. After that, you can contact that company and ask for any additional discounts that you can get. Most companies will have some additional discounts that you can receive. It could be anything from a multi-policy discount to a low-mileage discount. It never hurts to ask.

Working with an Independent Insurance Agent

All of that can be rather confusing and time-consuming, but that’s why we are here to help. At Longevity Brokers, we want to help you find the lowest rates possible and to ensure that you’re getting quality insurance.

Unlike a traditional insurance agency, we are a group of independent insurance agents, which means that we don’t work with one single company. Instead, we represent dozens of highly rated companies across the country, and we can bring all of the best premiums directly to you.

Not only can we provide you with the lowest possible rates, but we can also answer any questions that you have. Our agents have years and years of experience working with all types of clients, and we know which companies are going to offer you the best auto insurance rates to meet your needs.

If you have any questions or you need help picking an auto insurance company, please contact one of our experienced agents today. We would love to answer those questions and connect you with the best possible plan to meet your needs.

You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the insurance coverage that you deserve. While you might be a safe driver, not everyone on the road is. One of the worst things that could happen is for you to be in an auto accident and not have proper life insurance. You could be saddled with massive repair bills or hospital fees. Contact us today, and we can get the process started. You can use our contact page or call us at (720) 209-4598.

The post Picking an Auto Insurance Company – What to Look For appeared first on Longevity Insurance Brokers.

At Longevity Brokers, it’s our mission to ensure that you have the insurance plans that you need. We cover everything from your home to your car. We are pleased to protect the Denver, Colorado area with quality insurance protection at an affordable rate.

This article is going to look at some of the most common myths that we hear from our policyholders. Hopefully, this post will answer any questions that you have and eliminate some of the false ideas that you have about car insurance.

1. Older Drivers are going to pay more for car insurance

One myth that we hear a lot is that older drivers, especially seniors, are going to pay more every month for their auto insurance versus what a younger driver in their 30’s is going to pay. Unlike life insurance, which continues to get more expensive the older that you are, auto insurance tends to get cheaper the older that you are. 

For every couple of years past the age of 55, you can get cheaper and cheaper auto insurance if you complete an accident prevention course. The insurance company wants to see a mature driver that has years of experience as a safe driver. More than likely, you can get a discount for being an older driver.

2. Red cars cost more to insure

This is probably one of the most common misconceptions that we’ve heard. It’s an idea that has been around for dozens and dozens of years. People think that red cars tend to be pulled over more often or that people who drive red cars are more likely to spend.

This is false. The color of your car is not going to be factored into how much you pay for your auto insurance policy. The company is going to look at the year, the make, and the model, but not the color. If you want a red car, don’t worry, you aren’t going to pay more every month for that vehicle.

3. Your car is covered if your drive it for work

More and more people are starting their businesses or being self-employed, which means that more and more people are beginning to drive their vehicle for business reasons. Let’s say that you drive your vehicle to deliver flowers or pizzas on the weekend. If you’re a paid employee, and you’re using your vehicle for work-related uses, your auto insurance policy is not going to cover your car if something were to happen.

If you wreck your car when you aren’t working, then your policy will cover the expenses, but if you’re working when it happens, you won’t get any coverage.

4. You just need to meet your state’s minimum requirements for auto insurance

When we talk to applicants, a lot of them are looking to get the minimal amount of coverage. Most people want to get the cheapest premium possible. It’s illegal not to have any auto insurance at all, but that doesn’t mean that you should only purchase the minimum amount of coverage. Having the bare minimum could leave you with some massive repairs costs depending on the circumstances.

5. Comprehensive insurance covers everything

Most people assume that if they purchase a comprehensive insurance policy, which their car is going to be covered, regardless of what happens. Sadly, it doesn’t work like that. There are still a lot of circumstances that won’t be covered with comprehensive coverage. If you want to get full coverage for your vehicle, then you will need to purchase a few add-on plans with your policy, like uninsured motorist coverage or rental reimbursement.

Auto Insurance and Longevity Brokers

We know that shopping for car insurance can be a confusing search. There are dozens of different coverage areas and types of plans that you will need to consider when you’re shopping for coverage. Every year, we get dozens and dozens of questions about different auto insurance factors, and that’s why we are here to help.

If you have any questions about your auto insurance, or you want to save money on your coverage, please contact us today. Unlike a traditional insurance agent, we are a group of independent insurance brokers. That means that we don’t work with on single company. Instead, we represent dozens of highly rated companies in the area.

Because you never know what’s going to happen tomorrow, you shouldn’t wait any longer to get the auto insurance that you need. While you might be an excellent driver, you never know about the other drivers.

Hopefully, this article has helped dispel some of those common myths that you might have believed. If you have any further questions about auto insurance, or you’re ready to start saving money, you can use our quote form on the site, or you can call us at (720) 209-4598. We would love to answer any questions that you have.

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At Longevity Brokers, it’s our mission to ensure that you’re getting the prefect insurance coverage to meet your needs. We are pleased to provide the Denver, Colorado area with all types of quality insurance policies. Everything from your car to your home. Not only can we provide you with affordable insurance coverage, but we can also answer any questions that you have.

The Different Kinds of Auto Insurance

When you’re shopping for auto insurance coverage, there are several different types of coverage and various component of insurance that you should be aware of. Most people say that auto insurance is one of the most confusing types of insurance plans, and it’s easy to see why.

Comprehensive Coverage

Comprehensive coverage is one of the most popular types of auto insurance and they are also one of the easiest kinds of coverage to understand. These comprehensive plans cover any damage to your vehicle that is not because of an accident that is covered under your traditional policy.

Comprehensive is a supplemental coverage that you can purchase that will give you traditional auto protection that you don’t get with your standard policy. Comprehensive coverage will pay for any repairs from weather damage or if your car is stolen. There are dozens of different situations in which your traditional policy won’t pay, but a comprehensive plan fills in those gaps.

Personal Injury Protection

Similar to comprehensive coverage, personal injury protection gives you additional coverage that isn’t included in a traditional plan. While comprehensive coverage is great if you can afford it, personal injury protection should always be considered. This coverage will pay for any hospital fees or expenses that occur to you or your passenger, regardless of who is deemed at fault for the accident. This is one of the best additional plans that you can buy.

Liability Insurance

Liability insurance can be a confusing type of coverage. Liability insurance will pay for any repairs that are your fault. It will pay for just about any damages to property if you’re deemed at fault. Additionally, liability insurance will also pay for any medical bills because of the accident.
Depending on which state that you live in, you may be required to have a certain amount of liability coverage, but you should always consider purchasing more. Having additional liability insurance will give you additional coverage, because you never know what’s going to happen tomorrow, and having extra protection is never a bad idea.

Which Coverage is Right for You?

These are only three of the several types of auto insurance available, and that doesn’t include the specialty coverage that you can buy for recreational vehicles. It’s important to have the coverage that you need, but deciding what type of plan can be a confusing process. Luckily, that’s why we are here to help.

One factor that you need to consider when you’re shopping for coverage, one of the most important things that you should look at is your budget and how much you can afford to spend on your auto insurance policy. Some policies are going to be much more expensive than others, and you’ll need to decide how much you can comfortably spend. You should never try and purchase more auto insurance coverage than you afford. The purpose of auto insurance is to keep you from having to shell out your whole savings because of an accident, but you shouldn’t have a policy that is going to break your bank every month. There are several ways that you can ensure that you’re getting lower premiums every month for your coverage.

Another factor to consider is your health insurance and any savings that you have set aside. If you have poor health insurance coverage, then it’s important that you get the additional auto insurance coverage that can prevent you from having your savings drained because of another person’s medical bills.

Auto Insurance at Longevity Brokers

If you have any questions about auto insurance or if you want to save money on your insurance coverage, please contact us today. Our agents have years and years of experience working with all types of applicants across the nation, and we know what kinds of auto insurance work best for them.

Unlike traditional insurance agents that you work with, we are dependent insurance agents, which means that we don’t work with one single company. We work with dozens of insurance companies and we can give you the best auto insurance for you.

With auto insurance, it’s important that you have the best plan possible. Not only because it’s the law, but because you never know what’s going to happen when you hit the road. There are thousands of auto accidents every day, and while we all hope it never happens to us, but you never know. Even if you’re a good driver, there are plenty of people driving to work every day that aren’t good drivers or they make simple mistakes.

Don’t wait any longer to get the coverage that you need. Not only can our Longevity Broker agents protect your car, but we can protect every area of your life. Use our contact page or call us at (720) 209-4598. We would be happy to answer any questions that you have.

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At Longevity Brokers, we are dedicated to helping you get the quality insurance that you want and the insurance protection that’s required by law. Every year, we get dozens of different questions about RVs and the insurance coverage that you’ll need.

Denver RV Insurance

The mountains in Denver are beautiful, and that means a lot of people buy RVs to explore the mountains and enjoy the nature. The problem is that the majority of RV owners don’t have the insurance that they will need, which can cause thousands and thousands of dollars of problems later on. Don’t put your home away from home at risk. 

One of the most common questions that we get about RVs is if they require a particular type of insurance policy by law. In Colorado, you will have to have a liability insurance plan for your RV. This will protect you from any other person’s damages or injuries.

One common option is to add your RV onto your auto insurance plan that you already have. The problem is that the ordinary car insurance plan isn’t going to give you enough insurance coverage to protect your RV. Every auto insurance plan is different, which means that there is a chance that your plan will give you the coverage that you need, but more than likely it isn’t.

A better option for insurance coverage is to buy a whole separate insurance plan for your RV. In most cases, it’s very easy to buy an affordable insurance policy for your RV, which will give you additional coverage. You can also add on to your auto plan, which might be a better choice depending on the coverage.

RV Insurance Factors to Consider

The most important factor is to determine which type of vehicle that you’re going to be insuring. There are several sub types of RV, and the insurance is going to change depending on which type. The two types are motorhomes and travel trailers, and while most people use these words interchangeably, they are very different vehicles.

A motor home is a vehicle that has permanently attached living quarters. Each insurance company has different requirements for what they consider to be a motorhome, but there are some general guidelines that it will have to meet. The motorhome must have a drinkable water supply, heating, a bathroom, cooking appliances, and a refrigeration system. If they meet all of these guidelines, then you’ll need a plan that coverage motor homes.

The other option is a travel trailer. These are very different from motors homes in the fact that they are towed by a motor vehicle and are used primary for camping purposes only. The two different types of going to require different amounts of insurance. Getting the right kind of auto insurance plan could save you thousands of dollars and lots of headaches.

Before we start looking at the different coverage that is available and the different plans that you can buy, it’s important to know that you know that the majority of your RV coverage is going to be optional. One type of insurance that will probably be required is liability insurance, which we are going to cover in depth in the next section.

Types of RV Coverage:

• Roadside assistance – you never know what’s going to happen while you’re driving down the road. The last thing that you want is to be stranded on the side of the highway during your vacation, and that’s where some additional roadside assistance coverage can come in. If you have one of these riders, you can be back on the road in no time, and it won’t drain your vacation spending money.
• Vacation liability – this type of coverage is going to be very similar to standard liability insurance, but vacation liability will give you additional protection when the RV isn’t on the road. For example, if you have your RV parked in a campground and someone falls out of it or it starts rolling and hits another RV, that’s where your vacation liability will come in.
• Collision – If your RV is damaged in any collision, then your additional coverage will help pay for the repairs or replacement costs. Depending on the types of collision and the damage, the repairs could easily cost thousands and thousands of dollars, but that’s where this plan will come in. It will get your RV fixed without draining your bank account.
• Comprehensive – just like a comprehensive policy with a traditional auto insurance plan, comprehensive policies help protect against dozens and dozens of different perils that you could face. This coverage helps fill in the holes that are left behind by your standard coverage.
• Liability insurance – as we mentioned before, liability is the one type of coverage that is going to be required by the state. This coverage helps protect against the costs of any injuries or damage that occur while you’re driving your RV on the road. This insurance comes into play if you’re at fault for the damages.

RV Insurance and Longevity Brokers

We know that getting insurance coverage can be confusing. There are dozens of different types of policies and factors that you need to consider. At Longevity Brokers, it’s our mission to ensure that you’re getting the best insurance for you and your property.

If you have any questions about RV insurance, please contact one of our agents today. We would be happy to answer those questions and ensure that you’ve got the best plan available. We are pleased to provide the Denver, CO. area with just about every type of insurance coverage. Everything from life insurance to ATV insurance.

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