Avoiding Front Range Risks: Denver Insurance

If you could count on anything in Denver, it was John Elway coming through in the clutch. The weather, though, is an entirely different story. A sunny, 65-degree day can become a blizzard with barely a warning. With apologies to the weather staff at 9News, there's just no accurate way to predict. You know how to shovel the driveway, but do you know that your home is safe from that bizarre April snowstorm that sometimes dumps heavy snow on your roof? Or that your car insurance will compensate you when an uninsured driver slides all over the road like a Texas transplant? Denver insurance quotes are the surest way to know. And thorough comparison shopping is the surest way to get low-priced Denver insurance quotes.

A Home Insurance Primer

Like Coors Field for the Rockies, your home-field advantage is affordable Denver insurance quotes that offer great coverage. A basic Colorado home insurance policy covers you against things like fire, theft, and wind damage. For more unusual damages-such as two feet of snow causing your roof to collapse-you'll need additional coverage. The very best you can do is guaranteed replacement cost, which replaces your home and possessions regardless of any policy limitations. It's up to you whether you want to go this far, or simply find a policy that lists the specific perils you're worried about. Recently, Denver homeowners have paid an average premium of $686. Start by figuring out the approximate value of your home, how much your possessions are worth, and then weigh different Denver insurance quotes based on how much coverage you want for all this and what insurers want you to pay.

Centennial State Law

Hot-headed drivers who get into a rage on a winter Sunday on I-70 aren't the only reason to purchase a car insurance policy. You'll search a little quicker for great Denver insurance quotes when you consider the penalties for not having any: a first offense includes a fine of $500, four points on your record, and maybe even suspension. Expect much worse for additional offenses. Colorado auto insurance law requires you to have at least $25,000 per injured person/$50,000 per accident in bodily injury liability and $15,000 in property damage liability. This is known as a 25/50/15 policy, and it's the starting point for your Denver insurance quotes. Beginning in 2009, you must also have $5,000 in medical payment coverage (or have written approval to forego). Getting coverage against uninsured and underinsured drivers is always a good idea, but isn't required.

Powerful Combinations

John Elway never quite broke through until Terrell Davis gave the Bronco offense the 1-2 punch it needed. Sometimes it makes sense to think of your Denver insurance quotes in a similar way. If you go it alone, you may be in an uphill battle to find cheaper premiums. Consider: a 34-year-old Denver man who drives a 2005 Subaru Outback purchases a car insurance policy. His premium will be around $842 per year for the minimum coverage. If, instead, he adds his wife and her 2004 Audi A4, the total cost might only go up $100 to cover both drivers. In the same way, combining your auto policy with a home, life, or health policy can save you hundreds of dollars. NetQuote.com can show all your Colorado insurance options with no cost to you. Find the best deal. It makes the 300+ days of sunshine in Denver seem even greater.