Five Ways to Save on your Auto Insurance
Auto Insurance
1. Bundle your insurance with one carrier. Insurance companies tend to reward people who insure multiple lines of business. This includes Home, Autos, Rental properties, Commercial policies, Life insurance*, Motorcycles, ATVs and much more!
2. Maintain continuous insurance. The longer you carry an insurance policy, the more stable and reliable an insurance company may view you. This potentially can mean lower rates. When you are in transition of purchasing a car, it often makes sense to keep your insurance in-force, even if you’re going to be "car-less" for a few weeks.
3. Drive safely! One of the biggest factors in the cost of your Auto insurance is your driving record. Keep a clean driving record by obeying traffic laws.
4. Pay your bills on time! Did you know that your credit score maybe a leading contributing factor to our Auto and Home insurance rates! Keep your credit score high to keep your insurance costs low.
5. Refrain from filing small claims. Your insurance is meant to cover you from catastrophic losses. Use your insurance for the big stuff.
Contact the Mike Schmisek to learn more on how you can save on your Auto Insurance: (303) 922-1001
Vacant Home Insurance
Your rental property has just been vacated and you want to take some time to screen new tenants or make upgrades to your property. Does your coverage change now that the home is vacant? To avoid surprises at the time of a claim, it’s crucial to know exactly what your policy covers.
Review your policy today for restrictions. Here are some points to check regarding coverage on vacant property:
- Will your policy immediately terminate when the home is vacated?
- If not, how long will coverage continue for named perils like fire, explosion, lightning, vandalism, windstorm and hail damage?
- What happens if you decide to renovate?
- Does your carrier offer a separate policy for vacant property?
Not everyone loves insuring vacant homes. But I do. That’s why we also offer a specific program for vacant homes that provides a full 12-month policy with pro-rata cancellation and the choice to stay insured for up to 24 months. The home can be for sale, in the name of an estate or under renovation. Coverage includes common perils, plus options for liability, personal property, vandalism and malicious mischief.
Not sure what your policy provides? Call me to discuss your coverage and find out more about our vacant home program.
*Coverage may not be available in all areas