Skip to content
Click to Call
Avalue Insurance

7700 E Arapahoe Rd., Ste. 330
Centennial, CO 80112

Get Directions

Featured Insurance Blog

Common Car Insurance Questions (and Answers)

Clearing Up the Confusion: Your Top Questions Answered

Car insurance can sometimes feel like a maze of confusing terms and complicated jargon. And if we’re being honest, that’s basically what it is — unless you’re an insurance agent, of course. That’s why we’re here to clear a few things up. Let’s talk about some of the most commonly asked car insurance questions (and easy-to-understand answers).

1). What does car insurance actually cover?

Car insurance can cover a multitude of things, but most policies typically covers three main things:

  • Liability: This covers damage you cause to other people’s property. It also covers other people’s injuries in an accident where you were at fault.
  • Collision: This covers damage to your own car in a collision, regardless of who’s at fault.
  • Comprehensive: This covers damage to your car from incidents like theft, vandalism, or natural disasters.

2). What factors affect my car insurance premium?

Several factors can influence your car insurance premium, including:

  • Your driving record: Accidents and traffic violations can increase your premium.
  • Your age and gender: Younger drivers and males typically pay higher premiums.
  • Your location: Living in an area with high crime rates or heavy traffic can increase your premium.
  • Your vehicle: The make, model, and age of your car can affect your premium. The newer your vehicle, the more expensive it is to cover it (which means higher premiums). On the flip side, older and/or safer vehiclesmay berewarded with lower premiums

3). Can I get discounts on car insurance?

Yes! Many insurance companies offer discounts for various reasons, such as:

  • Bundling your car insurance with other policies.
  • Having a clean driving record.
  • Enrolling in a safe driving program with your auto carrier to track your driving habits and save on your premium.
  • Completing a defensive driving course.
  • Installing safety features in your car.

4). Do I need car insurance if I don’t drive often?

Yes. Even if you don’t drive often, you still need to have car insurance. Most states require you to have at least liability coverage to legally drive. But aside from being a legal requirement, car insurance is also just a great financial decision. It’s a must for anyone who can’t afford to pay out-of-pocket for losses and damages (and spoiler alert: that’s most people).

5). What happens if I’m in an accident and don’t have insurance?

If you’re in an accident and don’t have insurance, you could face severe consequences, including:

  • Financial responsibility for damages and injuries.
  • Legal penalties, such as fines, license suspension, or even jail time.
  • Difficulty obtaining insurance in the future and higher premiums.

6). How can I lower my car insurance premium?

There are several ways to lower your car insurance premium, including:

  • Shopping around for the best rates.
  • Increasing your deductible.
  • Taking advantage of discounts.
  • Maintaining a clean driving record.

7). How do I find a good policy?

That’s where we can help. Avalue Insurance is a team of insurance pros who love helping people find policies that they can feel good about. Our friendly team is here to help you find the perfect coverage for your wants, needs, and budget. Let us take the confusion out of car insurance. Contact us today to speak with one of our car insurance specialists in Colorado! 

10 Things We All Hate About Insurance Shopping

Let’s face it: shopping for insurance isn’t exactly everyone’s idea of a good time. Whether it’s deciphering complicated jargon or sifting through countless policy options, there’s plenty to dislike about the process.

Being in the insurance industry ourselves, we’ve noticed several things about the insurance shopping process that we don’t like. And if you’re like most people, then you probably aren’t a fan of these things, either. Let’s talk about the top 10 things that we all hate about insurance shopping, as well as how you can navigate the insurance market more efficiently.

1). The Insurance Lingo Limbo

Have you ever felt like you need a dictionary just to understand your insurance policy? You’re not alone. The first thing that often irks people about insurance is the complex terminology. From “premiums” to “deductibles” and “exclusions,” it’s like learning a new language.

2). The Price Rollercoaster

Why does one policy cost a small fortune while another seems like a steal? Insurance premiums can feel like a mysterious black box where prices vary wildly. It’s frustrating not knowing why, and it makes comparing policies a headache.

3). Overwhelmed by Options

We love options, but sometimes, too many can be overwhelming. With numerous providers, policy types, and coverage options out there, choosing the right one can feel like finding a needle in a haystack.

4). Time-Eating Monster

Comparing insurance quotes and policies can be time-consuming. Who has hours to spare on a single decision, right? Time is precious, and we’d rather spend it on things we enjoy.

5). The Dreaded Premiums

We all know insurance isn’t free, but sometimes the cost can feel sky-high. High premiums can pinch your wallet, leaving you wondering if “affordable” policies actually exist.

6). Hidden Surprises

Ever thought you were getting a great deal only to discover hidden fees and extra costs later on? It’s like a nasty surprise party you didn’t want to attend.

7). Claiming Can Be a Pain

Filing an insurance claim can be a hair-pulling experience, especially if there are disputes. No one wants to jump through hoops when they’re already stressed.

8). Sales Push

Raise your hand if you’ve ever felt pressured by an insurance agent. Some can be a tad too pushy, making you wonder if they’re more interested in their commission than your needs.

9). Confusing Policies

Ever wished insurance policies were as clear as crystal? Lack of transparency can leave you scratching your head about what’s covered and what’s not.

10). Too Many Exclusions

It’s heartbreaking to discover that an event you thought was covered actually falls under the dreaded “exclusions” category. The feeling of disappointment is all too real, and it can catch you off guard if you don’t have a full understanding of your policy.

A Solution to the Madness

Insurance shopping can be a major headache, and it’s one that we are looking to help alleviate. At Avalue Insurance, we see the people before we see the policies. We aren’t looking to sell you a one-size-fits-all insurance package; we’re interested in helping you find a policy that meets all of your needs, not just the “essential” ones.   

Say goodbye to the frustrations, the jargon, and the hidden surprises. Our experienced team is here to guide you through the process, offering transparent policies tailored to your needs. Contact us today, and let’s make your insurance shopping experience a positive one!

Partner Carriers

  • Allstate
  • Assurant Flood
  • Auto Owners
  • Bristol West
  • Builders Risk/US Assure
  • Chubb
  • Markel
  • CNA
  • Foremost
  • Hull & Company
  • Liberty Mutual
  • Nationwide
  • Philadelphia
  • Pinnacol
  • Progressive
  • Safeco
  • The Hartford
  • Travelers