Insurance quotes and assistance

Auto Health Home Life

Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Colorado Insurance Guide

Colorado residents know that everyday life in their great state extends far past the hobby of skiing. As parents, workers, drivers and residents, they know that state insurance regulations affect every day of their lives. Here is a short overview of some of the more important regulations.

Colorado Auto Insurance

Colorado insurance is relatively straightforward. The state does not require personal injury protection or uninsured motorist coverage and is not a no-fault state. They do have liability requirements which are:

  • $25,000 maximum for a single-person injury
  • $50,000 maximum for a multiple person injury
  • $15,000 maximum for property damage liability

Colorado Health Insurance

If you are shopping for Colorado health insurance and you have a pre-existing condition, take note: Colorado does not require its insurers to issue coverage to you if you have a pre-existing condition. They do, however, have a high-risk pool that can offer insurance solutions if you are denied coverage, don’t have access to group coverage or are quoted unaffordable premiums. If, in your search for Colorado health insurance, you opt for a high deductible health insurance policy and a health savings account (HSA) you can deduct your HSA contributions from your state income taxes.

Colorado is one of the few states that allows self-employed individuals to get single-person group coverage. That means you could get group health insurance for just one individual. Group rates are limited to an adjusted community rating structure and pre-existing conditions can be excluded for up to 6 months if the individual had a 90 day or greater break in coverage over the past 6 months.

Colorado Home Insurance

While lenders may require Colorado home insurance, the state does not so if you own your home in full, the choice to buy insurance is completely up to you. Residents of Colorado should be especially considerate of obtaining coverage for certain natural disasters that often affect the state. These include hurricanes, tornadoes and wildfires.

Colorado Life Insurance

Colorado life insurance customers have limited protection against insurer insolvencies under the Life and Health Insurance Protection Association in Colorado. If a Colorado policyholder is insured with a company that goes bankrupt after July 1, 1991 they may be protected up to $300,000 for death benefits and $100,000 in cash values.

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