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Understanding Auto Insurance

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To have the best auto insurance on the market today, you better have a good understanding of the coverage needed. Usually, that equates to what is and isn’t in the agreed policy. In addition, it’s wise to educate yourself on the different types of coverage available. The good people of Aspen Gold Insurance Brokers of Broomfield, CO will have a better understanding of the state minimum requirements expected on a standard auto insurance policy. 

Standard automobile insurance coverage provides financial protection against a vehicle accident that causes damage to you and another person’s car or personal property. But the wording inside the agreement may not pay for all of the repairs sustained in an auto wreck. Thus, you may need to consider having a more complete insurance policy to gain full coverage on your vehicle. 

Mandatory Auto Insurance Coverage

The state of Colorado requires all automobile owners to carry a mandatory amount of auto liability insurance. The law stipulates the following minimums of $15,000-per-accident for property damage, $25,000-per-person for bodily injury, and 50,000-per-accident for bodily injury.

The coverage pays for all costs associated with the injuries and possible death caused by the crash. That includes all medical expenses for you, the other driver, and passengers. Plus, all parties will receive payment for lost wages and other accident-related expenses. Finally, auto liability insurance will reimburse those individuals who suffered damage to their personal property from the accident. 

Optional Auto Insurance Coverage

A standard automobile insurance policy will assist with covering the cost of the damage sustained to your automobile in a road accident. But that doesn’t necessarily mean all of the repairs will be fully covered. This is when optional auto insurance coverage such as collision and comprehensive comes in very handy.

Collision insurance will reimburse you for the damage done to your vehicle as a result of an accident with another car or object on the road. Comprehensive insurance helps to protect against theft or damage is done (fire, flood, vandalism, fallen rock, or tree) from something other than another automobile.

It’s important to understand auto insurance before agreeing to the conditions of a policy. Speak with a professional from Aspen Gold Insurance Brokers of Broomfield, CO to get a better grasp of the coverage needed to protect your car. We can create an automobile insurance policy that fits your needs. 

What Does My Auto Insurance Policy Say About Loaning A Vehicle To Others?

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If My Auto Insurance Could Talk What Would It Say About Loaning A Vehicle?

We wouldn’t hazard to guess what an auto insurance policy would say if it could talk at Aspen Gold Insurance Brokers. It probably would say “watch out!“. Especially when it comes to loaning a vehicle to others. Generally speaking, most insurance policies do not stipulate who the driver is when it comes to coverage. Due to the nature of people, we are always lending our vehicles to others. However, you have to be extremely careful that you lend your motor vehicle to people who are insured and are legally able to drive the motor vehicle.

It gets sticky when: you are “lending” your motor vehicle for a fee if the person is underage if the person has motor vehicle infractions. It’s also something you should discuss with your agent if you lend your motor vehicle on a regular basis. It’s also something to think about if the person is leaving the state where the auto insurance laws may differ from your home state.

Envision the slopes of Aspen, not a care in the world enjoying the clear, crisp ride of life. At Aspen Gold Insurance Brokers in Broomfield, CO we want you to realize that your fantasy can be a reality. You can enjoy the ride of life while we assist you in taking care of your insurance responsibilities. In addition to auto insurance we underwrite policies for boat and watercraft, commercial, health, life, motorcycle,  as well as umbrella Insurance.  Located at 11001 W. One 20 Ave., Suite 400 in Broomfield, CO 80021 we serve the following states and our great country; Colorado, Arizona, Texas, Montana, Kansas, Ohio, Florida, and Tennessee. No matter how you decide to contact us, contact us today so that we can help you continue to enjoy the ride.

Benefits of Buying Auto Insurance Directly from the Insurer

Colorado Auto Insurance

Have you ever wondered if you should purchase auto insurance direct from an insurance agency? When you are buying auto insurance in Colorado make sure that you understand the pros and cons of going through direct providers for it.

Going through a direct provider means that you will not need to make an appointment to discuss your options. You can avoid taking a great deal of time out of your busy life, and look at auto insurance quotes online. You can go at your own pace as you look at information about the various insurance policies. In fact, there is much more you can do online, including filing any insurance claims and updating terms for your policy.

By purchasing the coverage directly through the car insurance company, you know that you only will be dealing with them. You won’t ever have to deal with an agent.

Another great thing about direct providers is that you will receive competitive rates, as well as a variety of discounts for auto insurance. You never have to worry about getting all of the information, as it should all be available on the provider’s website.

Management of your auto insurance policy is more favorable when you have a direct provider. For instance, you’ll have more options when it comes to adding a car to your policy or changing your coverage. Aspen Gold Insurance Agents are very accessible and easy to work with. You’ll have greater access to customer service hotlines, as well as be able to create an online account where you can manage it with ease.

It is crucial you know what are you getting into with when buying auto insurance policy. Talk to specialists at Aspen Gold Insurance Brokers today. This will have you well on your way to finding a policy that will leave you feeling pleased.

3 Reasons to Obtain Roadside Assistance Coverage with your Auto Insurance

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The more you travel, the greater your risk of experiencing a breakdown on the road. Roadside assistance coverage can come in handy when problems arise with your vehicle, particularly if you’re far from home. If you have an older vehicle and use it often for work, errands or kids’ transport, you may want to add this service to your Aspen Gold Insurance Brokers car insurance policy. Here are a few ways in which roadside assistance can be of benefit to Westminster, CO drivers.

Roadside Assistance Coverage Can Help With An Unforeseen Breakdown

You never know when you will get a flat tire or experience an unexpected breakdown on the road. With roadside assistance coverage, help is but a phone call away. You don’t have to worry that you’ll be stranded for hours or have to pay for expensive towing out of pocket. Roadside assist provides such services as fixing a flat tire, vehicle refueling and jumping a dead battery, enabling you to continue your travels. With roadside assist, you can have greater peace of mind that help is easily accessible when traveling with your family.

Lockouts

If you accidentally lock yourself out of the car, roadside assist coverage will pay for lockout services to help you regain entry to your vehicle. In the event your technician cannot gain access to your car, a locksmith will be called. Depending on your coverage, locksmith services may be partially or completely covered by your insurance policy.

Towing

If car troubles go beyond the ability of a roadside assist technician, towing will be provided to a nearby garage so you are not left stranded by the side of the road. This is particularly helpful if you have car problems at night or during inclement weather.

To learn more about roadside assist coverage, contact us at Aspen Gold Insurance Brokers, Broomfield, CO.

The Pros and Cons to Buy Used vs. New Car

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The toughest decision for residents of Westminster, CO is whether or not to buy used vs. new car. Often, the answer centers on the current state of their financial situation. After looking at the numbers, it’s smart to choose the cheaper, older option, but others are willing to pay more money for a flashier, new automobile that best fits their personality.

Neither is a wrong decision because owning and operating a car is an expensive proposition. If you’re still undecided, then it’s wise to gather all of the information from an agent with Aspen Gold Insurance Brokers before making a huge financial commitment.

Here are the pros and cons to buy used vs. new car:

Resale Value

Buying a late model used automobile offers the best value in today’s market because every vehicle takes a huge depreciation once it’s driven off a Westminster CO car lot. Obviously, the sales price will be lower, but other expenses should be decreased as well, such as insurance and sales tax.

Reliability

Used cars are becoming more appealing due to their improved reliability to stay on the road. Independent studies have shown automobiles that are at least five-years-old had fewer mechanical issues than the newer models. If properly maintained, these vehicles can easily go past 100,000 miles, and in some cases, they can reach the 200,00 mark without ever needing any major repair work.

Warranty and Repairs

The unknown factor in all car purchases is pinpointing the time for the first repair. Its smart to put money aside that will cover the cost for wear-and-tear (tires, brakes, etc) repairs on used automobiles. Newer cars have fewer mechanical issues, and the majority of them are often covered under the umbrella of a comprehensive warranty package. You must decide if the savings from a used car purchase is worth the added expense of repairs down the line.

Interest Rates, Insurance, and Safety

Acquiring a loan for a new automobile does come with a lower interest (six percent compared to seven percent) rate than for a used car. An insurance package designed by an agent with Aspen Gold Insurance Brokers for a used automobile won’t be as extensive as required in a new car purchase. Fewer safety features are found in used cars, as frontal airbags that deploy during an accident aren’t available.

The Ideal Auto Coverage for Mountain Driving

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Broomfield, CO is located just northwest of Denver and just south of the city of Boulder, CO, meaning it is on the edge of the Rocky Mountains. Not only is it a beautiful place to live but it also means that you will definitely need a car to get around either metropolitan area and will probably face some rather inclement driving conditions on somewhat treacherous mountain roads. So you will definitely need an auto insurance policy from a local broker like Aspen Gold Insurance Brokers, who serves the greater Denver, CO area. However, there are certain types of auto insurance policies that will be more helpful than others when mountain driving in Colorado. These are listed below.

LIABILITY INSURANCE

With curvy roads and ice and snow throughout a good portion of the year, there’s no telling what could happen to you while driving at certain times, so you will definitely need insurance to cover you if the unavoidable accident occurs that will be deemed your fault. This will not only protect you from having to pay for damage and medical bills, but it will also protect other people you may collide with, so that they are properly taken care of if this occurs.

COLLISION INSURANCE

There is the chance that someone hits you in an accident and doesn’t have insurance or takes off and you don’t get their insurance and are left having to pay for it yourself. Or an animal runs out in the road that causes you to have an accident, or you slide off the road into the woods and wreck. To make sure you are covered from this unpredictability that could very well happen in a place like Broomfield, CO, you should add collision insurance to your overall insurance policy, Better safe than sorry! Reach out today for a free insurance quote.

What to Do if You Get Stranded in a Winter Storm

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No one wants to think of the possibility of being stranded in a winter storm. Unfortunately, the weather does not always cooperate with your travel plans. As the residents of Broomfield, CO know, studded tires and chains offer little security when conditions deteriorate rapidly. Let’s talk about how to survive an unexpected night in your car while you wait for help.

Be Realistic

Weather forecasts are available at all hours on television and with multiple weather apps. If you plan on traveling during a potential weather event, you have two choices. You can wait to leave until after the storm has passed, or you can prepare for the worst.

Ready.gov provides information on how to best prepare for emergencies involving winter weather. One of the biggest recommendations is active communication before, during, and after travel. Plan your route ahead of time and stick to that route. This will allow people to alert the authorities in the event things don’t go according to plan. Accurate information increases the chance you will be found before the situation becomes dangerous.

Be Ready

If you choose to travel, be smart about it. Make sure you have a full tank of gas, and keep it at least halfway full. Keep your phone charged and carry a portable power pack. It’s also wise to pack enough water and food to last a couple of days. A few additional items that can help keep you safe include:

  • Rock salt and kitty litter
  • Shovel
  • First-aid kit and necessary medications
  • Flares
  • Flashlight and radio with extra batteries
  • Waterproof matches and candles
  • Blankets or sleeping bags

Worst Case Scenario

Perhaps not the absolute worst, but it’s pretty bad. First, call the authorities and friends or family for help. Stay in your car. It is a makeshift shelter. Run it sparingly to add warmth. Make sure your exhaust pipe stays clear and crack a window to vent potential carbon monoxide build up.

Share body heat with others and make use of extra blankets or sleeping bags. Snack periodically and stay occupied by reading or playing cards. Candles provide light and a bit of heat, so set up a spot they can burn safely. A survival kit may seem extraneous, but it could make the difference in you getting home to Broomfield, CO safely.

Please share these stranded in a winter storm tips with your loved ones.

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Dodge the Pavement

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Driving can seem more like a chore than the joy it is when you only have the straight path of the highway or the cluttered roads of a city. To stave off that urge to scream at other drivers, get the keys to a vehicle that can take you to new places and dodge the pavement.

Cross Your Fingers and Start Your Motors

Nothing quite compares with the feeling of soaring fifty feet in the air on the back of a dirt bike, the ramps of mud and nearby trees looming below you. You’ll likely want to use a premade course to get the best experience, but it’s nothing like your weekday commute on the pavement.

Take over the Desert in a Dune Buggy

The tumultuous mounds of pale golden sand sit untouched in front of you under the baking heat of the sunlight streaking through a pure blue sky. You sit on top of an engine strapped to a wheeled cage and accelerate over the waves, sending the shimmering grains behind you as your wheels leave behind the only marks on the untouched desert. That’s what it’s like to spend a weekend at the wheel of a dune buggy.

Which Terrain?

Forests? Deserts? Mud? Mountains? Snow drifts? All of the terrain is an option when you’re on the back of an ATV. They may not go quite as fast as a buggy or fly as high as a dirt bike, but no ride is better at conquering the wilderness in whatever form it comes.

Keep Safe On and Off the Road

Whatever type of vehicle you happen to choose to dodge the pavement, you should call Aspen Gold Insurance Brokers and ask for a quote about protecting your source of adventure and freedom from the perils that you’ll face on the path less taken.

Don’t Worry Be Happy and Other Tips to Avoid Road Rage

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Road Rage is something that has become more prevalent in our society. As the motor takes on the personality of the motorist, rage spills out onto the road and the great American pastime of taking a peaceful drive is evaporating into a memory. Driving is often a necessary function in so many lives. How to get from point A to point B, how to get to work, school and play, as we advance as a nation getting around as quickly as possible is all important. Be sure to know some tips to avoid road rage.

The adrenaline rush that follows someone cutting you off or any near collision should be used to dance or sing a song of gratefulness as opposed to the obscene gesture, choice word or retaliatory measure that may originally present itself to your mind. Putting a well-placed placard with the simple word “Perspective” will work wonders. Driving is a necessity it is not an extension of yourself; it is a function that you employ to get to your employment. “Don’t Worry, Be Happy”. Your quick thinking, reflexes, and overall superior driving acumen popped up right at the right time. Keep those fight or flight super-charged secretions in their respective receptacles.

You can’t always avoid calamity, no matter how hard you try when knowing the tips to avoid road rage. It is good to have peace of mind in knowing that you are well insured with the quality insurance products available at Aspen Gold Insurance Brokers. Serving the great state of Colorado, the staff at Aspen Gold Insurance Brokers recognize that the added extreme weather elements inherent in our state intensifies the adrenaline since a silly maneuver added to ice, snow, sleet or rain could cost a life. We will ensure that you don’t have to worry, your investment is protected.

Traveling Abroad: Key Driving Tips

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Traveling abroad is filled with excitement and educational opportunities about other cultures in the world. However, you will still need to get around, and if public transportation options are out of the equation, will you be driving your car? Before you get behind the wheel in a foreign country, you need to know a few things about driving while abroad.

What Are the Licensing Requirements For Driving While Abroad?

Some countries may have requirements beyond a US driver’s license. Fortunately, you can make driving simpler by obtaining an International Driving Permit, which grants driving privileges in other countries. However, the countries may have specific age requirements, and you should check to ensure your insurance meets these requirements as well.

Does Auto Insurance Cover Driving Outside of the US?

Depending on your policy and riders, you may or may not have coverage for driving abroad. The coverage may also vary between countries. For example, having coverage in Canada does not necessarily mean you will coverage in Mexico. Be sure to check with your local insurance agent for what countries may be covered.

Will the Rental Car Be Backwards?

If you plan on renting a car abroad, make sure you know what type of car you will be driving. For example, you may need to learn how to drive a manual transmission before you depart. Also, the driver’s side of the vehicle may be on the opposite side as that of vehicles in the US. This is an important consideration, which means you will be driving on the opposite side of the road as well.

If you’re planning on leaving Westminster behind for a few days, weeks, or months, you need to get ready for driving abroad. Contact a reputable insurance agent at Aspen Gold Insurance Brokers, serving the Denver, Colorado area, to review to your auto insurance options and determine what type of coverage you may need for your international adventure.