2828 N Speer Blvd Ste. 116
Denver, CO 80211
303-572-2249
303-623-1310
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October 6th, 2011
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Should I Drop Full Coverage on My Auto Insurance? Everyday our cars continue to get older and older. Is it worth keeping full coverage (collision and comprehensive) insurance on your vehicle? How much more does full coverage cost over just maintaining liability coverage? What is your car really worth? These are the questions you should…(more…)
Everyday our cars continue to get older and older. Is it worth keeping full coverage (collision and comprehensive) insurance on your vehicle? How much more does full coverage cost over just maintaining liability coverage? What is your car really worth? These are the questions you should ask when thinking about dropping full coverage from your car insurance policies.
If something were to happen to your car and it was damaged or worse; ‘a total loss,’ would you have enough money to replace your vehicle? Would you be ok with that? This may be the most important question to ask yourself in determining whether or not to drop your collision and comprehensive insurance or not.
There is not really a magical number that when reached you should drop your collision and comprehensive insurance. It is really up to you to decide. If you want to bet on your driving ability, maybe it’s worth it!? If you are worried that winter and icy roads are just around the corner, maybe you want to maintain full coverage for a bit longer.
How much do cars like yours get sold for on Craigslist or at the local dealership? What are they selling for online at sites like cars.com, vehix.com, or autotrader.com? This question will help you determine the replacement cost of your vehicle. If your car were totaled, could you afford the prices above to purchase a similar make and model? With that information in hand you can make a wise decision on whether or not you are ready to drop your collision and comprehensive insurance. If you decide to do this, ask your agent about Uninsured Property Damage coverage. If you need further assistance call your local insurance agent.
Affordable American Insurance is a local Colorado independent insurance agency. What makes Affordable American Insurance unique is that we represent multiple insurance companies. Stopping by an Affordable American Insurance office is a great way to start your search for insurance.
If you have any insurance questions, our blog is a great place to ask them. If you don’t feel comfortable posting your questions as a comment, give your local Affordable American Insurance agent a call and they will be happy to answer your questions.
Affordable American Insurance is an independent insurance broker owned and operated in Colorado. Let us provide you with the best protection, the best service, and the best price.
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@SamHowat Good point. It is a good thing I biked to work today! Joshua Smith
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