Four steps to go through when finding auto insurance

In every state, some sort of financial responsibility coverage is required to legally drive. You need to go through a few steps to find the right auto insurance coverage for your needs. 

At Premier Group Insurance, we help Lakewood, CO drivers get on the road and enjoy the peace of mind of knowing they’re financially protected in the event of a roadway accident. The following are four steps we recommend that motorists go through in finding the right auto insurance policy for their needs:

Determine what types of auto insurance you need

Every motorist on the road needs basic liability insurance. This will cover any damages their vehicle causes to other vehicles, property, or people out on the roads. 

In addition to liability insurance, some drivers may need or want collision coverage that will compensate them for damages to their own vehicles. If your vehicle is financed, your lender will require you to have collision coverage to compensate you for damages to your vehicle.

Decide on how much coverage to get

You will need to meet state requirements regarding how much coverage you have. In addition, you can also get added coverage to be even more protected in the event of an accident. If you are a relatively inexperienced driver, you may want to add additional coverage. You might also want add-on coverage for protection against uninsured and underinsured motorists, for example. 

Look into discount possibilities

There are numerous discounts out there you may be eligible for. For example, you may be eligible for a discount for being in the military or for being a college student with a good academic record. 

Get quotes from a few providers and make a decision

The best way to get auto insurance at a good rate is to get numerous estimates from different providers and to choose which offer is best for your budget and needs. 

To learn more about auto insurance in Lakewood, CO or to purchase a policy, contact us with your inquiries at Premier Group Insurance

Protecting Your Family With Life Insurance

It’s important to protect your family with a life insurance policy. Whether you’re in Ft. Collins or Lakewood, CO, regardless of your age, you need to think about the future. With the help of Premier Group Insurance, we’re here to help you every step of the way.

It’s hard to protect your family if you’re no longer living. Since you cannot live forever, you can provide financial protection in the form of life insurance. You can establish the right amount in a policy so that they can be given $10,000 or even up to $1 million in the event of your death. This money can be used for a variety of different expenses:

  • Burial and funeral
  • Mortgage
  • College tuition
  • Monthly living expenses

The amount of debt you have and the overall quality of life that you and your family are accustomed to will determine how much the life insurance policy should be worth. Our independent agents can help you with calculations, too.

There are different types of policies to explore. You might want a term life insurance policy to protect you for a specific number of years. Then again, you might want financial protection for the rest of your life. Universal and whole life insurance policies can provide more financial protection and even offer a cash value that can be used in your retirement years.

One thing is for sure – a life insurance policy can be one of the best ways to protect your family. Your age, the number of kids you have, and even the type of job that you have can be used to determine some of the best options for protecting your family.

Call us at Premier Group Insurance in Lakewood, CO to discuss the details of a life insurance policy with us. We’re here to make sure that you get a policy to provide peace of mind.

 

Commercial Insurance Considerations in Colorado

Does living and running a business in the great state of Colorado leave you with any special considerations to know about when it comes to purchasing commercial insurance for your company? At Premier Group Insurance of Lakewood, CO, we offer insurance services for your life, and we want you to be knowledgeable when it comes to protecting your Colorado business. 

Commercial Insurance In Colorado

  • In Colorado, basic liability costs will depend on the industry of your business. Because insuring a cupcake shop and a race track would require different levels of basic protection to cover the business owner and employees adequately.
  • Insurance is not just for the employees and the business owner. Your customers are protected in many cases as well, which in turn further protects you as the owner. 
  • Some Colorado businesses, such as a legal marijuana dispensary, will have special insurance considerations. In some cases, the business cannot be insured at all because it is still illegal on a federal level, but there are circumstances where you can have insurance for your building and customers in Colorado because it is legal within the laws of the state. 
  • If you feel like your commercial insurance does not cover the things you need within your unique business, ask us about umbrella insurance to cover the difference for your peace of mind. 

Contact us at Premier Group Insurance for a quote on your business coverage in or around Lakewood, CO. We will be happy to answer any questions you may have about protecting your business in the beautiful state of Colorado. Call today for your commercial insurance quote and you may be surprised at how easy it is to get the coverage you need.

Does My State Require Insurance For A Stored Vehicle?

Let’s Be Clear…"I Store My Vehicle Daily In My Three-Car Garage"

Not That Kind Of Storage

Insurance doesn’t have to be such a stoic entity. We like to have fun at Premier. All vehicles are "stored" when not in use. However, when you plan on not using your vehicle for an indefinite amount of time, the vehicle is then classified as "not in use". 

You can remove the insurance and cancel the registration if you choose to. Speak with an agent at our agency first. This may not be wise as you will not be covered if the vehicle is stolen. You may want to consider the value of the vehicle and if you want to protect against theft. if you are in this situation currently, give us a call.

Many drivers have an alternative vehicle that they’re not quite ready to get rid of and at the same time, they don’t use. Just make certain that you discuss what can be done with a qualified insurance agent. 

In Lakewood, CO or elsewhere in Colorado state you can fill out a non-use of vehicle form once per year and return it to the county clerk office in the county of your permanent residence. This affidavit stipulates that you are not allowed to operate the vehicle and that no one else will operate it either.

In addition, to Lakewood, CO, Premier Group Insurance also serves Denver, Colorado Springs, Aurora, Fort Collins, Thorton, Pueblo, Westminster, and Centennial Colorado.  We are a 40 State conglomerate agency with local offices around the country. If you want to call us in the above-mentioned cities please do so today at 720-457-1101. We specialize in both home and automobile insurance.  Come see us first and stay forever. 

 

How to Prepare Your Home For an Emergency

Having the right home insurance policy in place can help you if your home is ever involved in an emergency situation. However, having the right insurance is not the only step you should take to prepare your home for an emergency. Here at Premier Group Insurance, serving the Lakewood, CO area, we know that no one wants to find themselves in an emergency situation, but here are a few tips that can help minimize the damage in the event that you do. 

Equip Your Home With Detectors and Alarms

One of the best ways to prepare your home for an emergency is by utilizing detectors and alarms. This includes items such as sump pump alarms, fire detectors, carbon monoxide alarms, and leak detectors. Each of these detectors or alarms can sense a potential problem in your home and alert you to the issue. This can help you to mitigate the problem before it becomes an emergency or can help you to get your family out of the home safely. 

Have a Fire Extinguisher on Hand

Another way to prepare your home for an emergency is to ensure that you have a fire extinguisher on hand. A small fire can grow rapidly. Having a fire extinguisher on hand can help you to put out small fires that may otherwise grow to larger ones if not quickly contained. 

Prepare An Escape Plan

The final way to prepare your home for an emergency is to prepare an escape plan and then test that plan out. Ensure all of your windows open and close and get window ladders if needed. This ensures everyone can safely exit the home in an emergency situation. 

The right home insurance policy can help protect you against financial losses in the event your home sustains an emergency. If you are looking to update your home insurance policy or purchase a new one in the greater Lakewood, CO area, Premier Group Insurance can help. Contact us now to get started. 

Do Not Leave These Items Behind On Your Next RV Trip.

Premier Group Insurance knows that to be under prepared is to be prepared to fail. Even if "failure" simply means less convenience or having to go out of your way we want you to have the best time on your RV trip, so we compiled this list of things to remember when you go on your next adventure. We serve clients in and around Lakewood, CO with premium insurance services. 

Don’t Leave This Behind When You Pack Your R.V.

  • Extra Towels An extra towel per guest seems like such a simple item, but when it comes to getting in and out of the water or caught in the rain or the plethora of other things that could require them it will be such a relief to have a dry towel even when your original is wet and hanging on the ladder. 
  • Disposable Gloves Changing the sewer system is everyone’s least favorite task. But it is required. A pack of disposable gloves will last you a year at least and will make the chore one bit better which can be a lot considering how unseemly it is. 
  • Maps of the Area  Most people rely on their phone for GPS and map services. But I cannot tell you how many mountain roads I have wandered on just to find that there is no service for my digital map. A physical map of any area you travel in is just good planning and can get you out of situations and save time and gas usage time and again. 

If you are planning an RV trip, contact us at Premier Group Insurance for insurance information, and more tips. We serve drivers in and around Lakewood, CO. 

What Do You Mean You’re Only Renting? Why You Still Need Insurance

If you’re of the Why do I need renters insurance? That’s the landlord’s responsibility school of thought, you may not fully understand what renters insurance is all about. Or to put it another way — what renters insurance can do for you if you live anywhere near Lakewood, CO or any area served by Premier Group Insurance. But before tackling that list, we need to clear up one of the biggest misconceptions Premier Group Insurance hears concerning renters insurance, namely that the landlord’s insurance has anything to do with you personally. It covers the physical structure of the building as well as its foundations but you’re on your own when it comes to personal belongings rental homes or apartments.

Renters Insurance  – What’s In It for You

  • If fire or vandalism renders your apartment or rental house, renters insurance will cover the price of renting a comparable dwelling until yours can be repaired, replaced, or should it be needed, you relocate. Some policies also cover events like political unrest,  extreme weather, or should a vehicle or plane crash into the building.
  • If one of your guests sustains an injury in your rental dwelling, renters insurance provides liability coverage to pay for medical expenses stemming from the incident.
  • If a thief breaks into your Lakewood, CO rental dwelling and steals your property, renters insurance will pay to replace the items based on the terms of your policy. Most basic policies will reimburse you at actual cash value comparable to what you paid for them.  However, there is a more expensive option – a replacement value policy that will pay the present market value price. No matter which you choose, keep in mind, the bottom line amount depends upon the deductible you have chosen.
  • If your car is stolen, unfortunately, renters insurance doesn’t cover it. That’s the realm of auto insurance. But rental insurance does cover anything that was in it, items such as bicycles, laptops, phones, or other personal property that are stolen from it while parked in the driveway or parking lot.

While renters insurance is valuable in the sense that it promises financial assistance should any of the above befall you, it can be expensive. If it seems to be beyond your budget, the insurance agents at Premier Group Insurance can help you find affordable solutions such as increasing your deductible or choosing actual cash value rather than replacement value. Call us today. 

 

Umbrella Insurance — When You Need Extra Assurance on a Project from Premier Insurance Group

Are you thinking about extending your insurance protection and live in the Lakewood, CO area? Sometimes it is a part of the protocol, especially if you are looking for something affordable when you start a new project with higher liability limits. This is where you need to start looking at your umbrella liability options. Umbrella insurance is the easiest and most logical route to getting a contractor or individual protection with an affordable insurance rate. 

Premier Group Insurance on Umbrella Insurance

If you are looking for a single premium that will cover you over multiple insurance policies, umbrella insurance is the answer to your search. This gives you the protection where there may be some underlying limits to your basic policies. When you are looking at extending insurance with contractor’s insurance, you’ll want to look at these things:

  • Commercial auto
  • Worker’s comp claims
  • General liability

So think of getting an umbrella insurance policy if something like a $500,000 difference in what your insurance covers and what you have to pay from the company could deplete all of your business assets. In most cases, you’ll be looking at $1M increments in umbrella commercial policies. 

Individual Umbrella Insurance Policies

Just like most states, Colorado has financial responsibility laws in place to protect people when someone is at fault in their car, home, property or any other negligent cause that you could be held liable for. This doesn’t exclude medical, court costs for both sides or damages awarded by a judge. It can add up quickly. 

An umbrella insurance policy will protect you from wage garnishments, liens or repossessions. The fee is nominal compared to the wide coverage that is offered with a commercial or personal umbrella insurance policy. 

Build a Fortress Around Your Assets

The best umbrella insurance policies are also quite affordable. Give Premier Insurance in Lakewood, CO a call or check out our blog. Premier Group Insurance at (303) 233-7878.

 

How much does motorcycle insurance cover?

Motorcycle insurance is a necessity if you live in Lakewood, CO. Not only does the state require liability coverage, but there is also much to lose if you are involved in an at-fault accident without the proper insurance to pay for damages. You also want to maintain an acceptable indemnity policy for personal satisfaction.

How much does motorcycle insurance cover in Lakewood, CO, though? Read on to find out!

What does motorcycle insurance cover?

Motorcycle insurance works much like a standard auto indemnity plan. You are typically protected up to the limit of your policy if you have an accident that requires your bike to either be repaired or replaced.

The difference in motorcycle insurance, however, is the various options that determine how much coverage you receive in an accident. Unlike a standard auto insurance policy that pays for the majority of incidents on the road with one package, motorcyclists are tasked with building their policy. A basic liability plan may protect you from legal problems if you have an at-fault accident. You may not receive much in the way of repairs for your bike, though, if you do not have additional perks included in your plan.

As an insured motorist, you have the option of adding the following to your motorcycle indemnity plan:

  • Full replacement cost for your bike in the event that it is totaled

  • Comprehensive coverage pays for damages not caused by a collision. This option ensures that you receive the monetary value of your bike if it is stolen or destroyed by inclement weather conditions

  • Medical Payments

  • Uninsured/Underinsured Motorist Protection

  • Replacement Coverage for your gear

Some motorcycle insurance plans even pay when your passenger is injured in an accident. Of course, there are stipulations to such coverage that should be discussed with an insurance agent.

Call Premier Group Insurance

Premier Group Insurance has excited and knowledgeable agents who can help you find the motorcycle insurance policy that best fits your lifestyle. Contact us today to get started with a quote!

How to Pack for Your Next Boating Adventure

It’s important if you go boating that you prepare in advance. You don’t want to leave the land without having everything you need in case of an emergency. Premier Group Insurance, serving Lakewood, CO, and the surrounding area, can help. 

Spare Clothes 

You don’t know if it’s going to rain, you’re going to fall in the mud, or you’re going to get stuck out on the water. You need to have a spare outfit just in case. Even if it’s supposed to be relatively warm all day, you may want to bring a hoodie. 

Sunscreen

You don’t want to get a sunburn while you’re out on the water. Not only is the sun damaging to your skin, but you also don’t want to be in pain while you’re on the water, nor do you want to feel sick when you get home. You may want to wear a hat to protect your head. 

Phone or Radio 

If you’re not sure that your cell phone is going to work properly, you may want to bring a two-way radio to seek out assistance in the event of an emergency. 

First Aid Kit 

You might get a fishing hook in your finger or experience a bee sting. No matter what incident occurs, you want to be able to handle it effectively while you’re out on the water. 

PFD

In case your boat should go down, you want to have at least one personal floatation device aboard per person you have on your boat. 

Boat Registration and Insurance 

You never know when something will happen on the water. You want to keep your registration and boater’s insurance on board with you while you’re on the water, just in case.  

Get a quote for a boater’s insurance policy with Premier Group Insurance, serving Lakewood, CO, and the surrounding area, by calling our office.