Whether you work as a comptroller at Denver Federal Center, a systems engineer at Caridian, or a waiter at Casa Bonita (yes, South Park fans, the restaurant is real, and it is one of Lakewood's treasures), you crave better information about how to access and sort through Lakewood, Colorado insurance quotes. After all, Coloradans face unique risks, ranging from DUI drivers on I-70 to auto theft on Colfax Avenue (lock up those Harleys, people) to smog blowing in from manufacturing plants in Denver. A solid approach to Lakewood insurance must take into account diverse factors, ranging from your credit score to your driving record to your health and fitness history. It's easy to get overwhelmed. Who wouldn't prefer a joyride down US Route 40 or a day trip to Belmar for shopping and fine dining? But reality calls. And this article can introduce you to some key concepts, statistics, and tips to cull together and select your best options.
Lakewood Insurance for Auto, Home, and Health
Auto insurance -- Coloradans paid $738 on average for their auto insurance in 2007, per the National Association of Insurance Commissioners. They paid $264 for collision, $167 for comprehensive, and $429 for liability. The Insurance Research Council reported that 15% of CO drivers lacked insurance in 2007.
What does this mean for your auto coverage? Consider making your car safer and more secure to get discounts. Add an anti-theft alarm system, anti-lock brakes, an airbag and daytime running lights for serious savings. Also, search out other potential discounts -- including good student, senior citizen, low mileage, and low claims discounts.
Homeowners insurance -- In 2007, the National Association of Insurance Commissioners found that Coloradans paid an average of $826 for HO-3 homeowner policies (the most common kind of policy) and $172 for renters insurance.
Are you looking for savings in this arena? This may sound obvious, but eliminate things like trampolines and other dangerous pieces of equipment (e.g. unguarded pools), and install a burglar alarm or a smoke detector. These can qualify you for discounts of 5%.
Health insurance -- whether you choose a PPO, HMO, or other kind of policy, take steps to lower your health costs over the long-term. Cut back on the amount of sugar and simple carbohydrates you eat to reduce your risk for all sorts of diseases, including obesity and Type 2 diabetes. And build muscular strength to avoid debilitating conditions, like lower back pain and arthritis.
Shopping Around for Solid Lakewood Insurance Quotes
NetQuote is a free online service that provides valuable and timely help to policy-seekers like you. Fill out our online form -- it only take a few minutes -- and submit it to get back 5 Lakewood insurance quotes chosen from a pool of 100+ insurers who have high Standard and Poor's and AM Best ratings. NetQuote can save you time shopping for Lakewood insurance quotes and allow you to compare data in a more "apples to apples" way, so you can get back to more enjoyable things, such as taking in a talent show at the Lakewood Civic Center.