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10 Things We All Hate About Insurance Shopping

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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!

What is Collectors Car Insurance?

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Cruisin’ in Style: Your Guide to Collectors Car Insurance

KEY TAKEAWAYS:

  • Here’s everything you need to know about collectors car insurance:
    • Collectors car insurance is essential for protecting your classic or vintage cars, as it caters to their unique needs.
    • Agreed value coverage ensures that you’ll receive the pre-determined value of your classic car in case of total loss, rather than its depreciated market value.
    • It often comes with lower premiums compared to regular auto insurance because classic cars are typically driven less and well-maintained.
    • It provides coverage for restoration projects, safeguarding your investment during the restoration process.
    • Specialized repairs from knowledgeable mechanics are available through these policies to maintain the authenticity of your vintage vehicle.
    • Coverage for car shows and events is often included, ensuring your peace of mind while showcasing your classic car.

If you’re the proud owner of a classic or collector car, you know that these beauties are more than just vehicles; they’re a piece of history and a labor of love. Protecting your prized possession is essential, and that’s where collectors car insurance comes into play. Here’s everything you’ll need to know about these specialized policies.

Why It Matters

Your classic car isn’t just any car; it’s a work of art, a nostalgic gem, or maybe even a family heirloom. That’s why standard auto insurance just won’t cut it. Collectors car insurance is specially designed to cater to the unique needs of vintage and collectible vehicles.

Agreed Value Coverage

One of the standout features of collectors car insurance is “agreed value” coverage. With this type of policy, you and your insurer agree on the car’s value upfront. So, if the unthinkable happens, and your beloved classic car is totaled, you’ll receive the agreed-upon value rather than the depreciated market value.

Low Premiums

Here’s some good news for your wallet: collectors policies often comes with lower premiums than regular auto insurance. Why? Because classic cars are generally driven less frequently and are meticulously cared for, reducing the risk of accidents. Lower premiums mean more cash in your pocket to spend on upgrading or maintaining your vintage ride.

Coverage for Restoration Projects

Whether you’re in the middle of a restoration project or planning one, collectors policies can cover the full value of your vehicle, even in its incomplete state. So, if disaster strikes during the restoration process, you won’t be left high and dry.

Specialized Repairs

Classic cars require specialized knowledge and craftsmanship when it comes to repairs. Collectors policies typically provide access to a network of skilled mechanics who understand the intricacies of vintage vehicles, ensuring your car gets the care it deserves.

Coverage for Car Shows and Events

Love showing off your classic car at local car shows or parading it in classic car events? Collectors car insurance often includes coverage for these events, giving you peace of mind while you share your passion with fellow car enthusiasts.

Protect Your Investment with Avalue Insurance

At Avalue Insurance, we’re not just your average insurance agency; we’re passionate about collector cars and understand the unique needs of collectors like you. We tailor collector car insurance policies to suit your specific vehicle, usage, and budget. Whether you own a vintage muscle car, a sleek sports car, or a rare classic, we’ve got you covered. Our experts will work with you to determine the agreed-upon value of your collector car and ensure that it’s protected against any unexpected mishaps.

Don’t wait until disaster strikes to realize the importance of collectors policies. Reach out to Avalue Insurance today, and let us provide you with the peace of mind you deserve! You can request a consultation right here online, or give us a call at (303) 773-3332 to speak directly with an agent! 

Insuring Motorhomes and Other Recreational Vehicles

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Thinking About Insuring Motorhomes? Here’s Everything You’ll Need to Know

KEY TAKEAWAYS:

  • When it comes to insuring motorhomes, there are a few types of coverage that you’ll need to consider:
    • Coverage for medical payments and bodily injury
    • Collision coverage
    • Coverage for towing and labor costs
    • Rental car coverage
    • Property damage liability coverage
    • Emergency expense coverage
    • Vacation liability
    • Replacement cost personal effects coverage

So, you’re dreaming of cruising the scenic highways of Colorado in your favorite motorhome. But before you hit the open road, there’s one thing you’ll need to take care of: insurance. While it may not be the world’s most exciting topic, it’s extremely important for avid RVers. That’s why we’re here to tell you everything you’ll need to know about insuring motorhomes and other recreational vehicles.

Why Motorhome Insurance Matters

Colorado is a land of rugged beauty, with its towering peaks, winding roads, and unpredictable weather. It’s the perfect playground for motorhome enthusiasts, but it’s also a place where accidents can happen. That’s why insuring motorhomes is so important out here in the Centennial state. Whether it’s a sudden hailstorm, a collision on a tricky mountain pass, or even theft, you’ll want to make sure you’re covered.

Basic Coverage for Insuring Motorhomes

If you’re new to insuring motorhomes, then you’re probably wondering what types of coverage you’ll need. Here are some basic types of insurance you’ll want to consider for your motorhome:

1). Coverage for Medical Payments and Bodily Injury

Safety first! You’ll want to make sure that your motorhome policy includes coverage for medical payments and bodily injury. Coverage for medical payments takes care of your medical bills, up to your limits, if you or your passengers are injured in an accident. Bodily injury liability coverage, on the other hand, helps you pay for injuries caused to others in an accident where you’re at fault.

2). Collision Damage and Comprehensive Damage

Collisions and accidents can be a real buzzkill. That’s where collision damage and comprehensive damage coverage come to the rescue. Collision coverage kicks in when your motorhome collides with another vehicle or object. Comprehensive coverage, meanwhile, covers non-collision-related damages like theft, vandalism, or natural disasters like hail. Together, they ensure your home-on-wheels stays intact.

3). Towing and Labor Costs

Towing and labor cost coverage is a must. Whether your motorhome breaks down suddenly or you just need a quick tow, this coverage ensures that help is on the way without emptying your wallet.

4). Rental Car Costs

Accidents can sometimes take your motorhome off the road for repairs. That’s when rental car coverage steps in. It helps cover the cost of renting a temporary set of wheels so you can continue your adventure while your motorhome gets back in shape.

5). Property Damage

Accidents happen. But what if your motorhome accidentally damages someone else’s property? That’s where property damage liability coverage comes in handy. It helps you pay for the repair or replacement of the other person’s property, like their car or a fence, if you’re at fault.

6). Emergency Expense Coverage

Emergency expense coverage comes to the rescue. It helps cover the costs of necessary accommodations, meals, and even transportation while your motorhome is out of commission. It does wonders for you when you hit life’s unexpected road bumps!

7). Vacation Liability

You’re on vacation to relax, but accidents can happen, and liability claims can put a damper on your trip. Vacation liability coverage steps in to protect you in case someone gets hurt on or around your motorhome while you’re parked at a campsite. It can also cover you if there’s damage to someone else’s property caused by your motorhome during your vacation.

8). Replacement Cost Personal Effects Coverage

This is one of the best ways of insuring motorhomes. Your motorhome is like your home away from home, and you’ve probably loaded it up with personal belonging, from gadgets to camping gear and everything in between. If these items are damaged, lost, or stolen during your trip, replacement cost personal effects coverage helps you replace them with new items of similar quality. So, if your camera gets soaked during a sudden rainstorm or your camping gear mysteriously disappears, this coverage ensures you won’t be left high and dry.

Get Rolling with Avalue Insurance

When it comes to insuring motorhomes, our insurance experts are the best in Colorado. At Avalue Insurance, we specialize in helping RVers find the perfect policies for their motorhomes. We’ll make sure your rig is covered from bumper to bumper. So, if you’re a weekend warrior, a full-time RVer, or anything in between, we’ve got you covered.

Ready to get started? It’s quick and easy! Contact Avalue Insurance today, and let our experts help you protect your favorite recreational vehicle. Request a consultation right here online today, or give us a call at (303) 773-3332 to speak with an insurance professional right away!

What are the Workers’ Compensation Laws in Colorado?

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Colorado Workers’ Compensation Laws: What Business Owners Need to Know

KEY TAKEAWAYS:

  • Here are the workers’ compensation laws of Colorado that every business owner should be aware of:
    • Workers’ compensation insurance is required by law in Colorado when you hire your first employee.
    • Independent contractors might still be considered employees for workers’ comp purposes, so be cautious about misclassifying them.
    • Sole proprietors and partners aren’t required to have workers’ comp on themselves but can choose to opt in.
    • LLCs need to cover their employees but not necessarily themselves. Corporate officers can opt out but should consider coverage.
    • Agricultural and casual labor businesses must provide workers’ comp if they have more than 5 regular employees or 100 or more days of agricultural labor in a year.

Running a business is no walk in the park. You’ve got enough on your plate with endless paperwork, demanding customers, and the ever-changing landscape of business regulations. But let’s talk about something crucial that you absolutely can’t afford to overlook: workers’ compensation insurance.

But do you have to have workers’ compensation insurance? What are the workers’ compensation laws in the state of Colorado? Let’s talk about it!

Workers’ Compensation Laws: When is it Required by Law in Colorado?

When is workers’ comp required by law in Colorado? The answer: pretty much all the time, unless you’re a one-person show or an LLC with no employees. For the rest of us, it’s a must-have.

Here are a few things to keep in mind when considering workers’ comp insurance:

1. If you have one or more employees, then you probably need workers’ comp.

According to Colorado’s workers’ compensation laws, you’ll need workers’ comp coverage even if you only have one employee! Whether they’re full-time, part-time, seasonal, or minors — if they’re working for you, you’ll need to protect them with workers’ comp insurance. This is the only type of coverage that will offer them financial protection in the event that they are injured on the job. So, not only is this a wise decision on your part, it’s also a great way to make your employees feel a lot safer on the job.    

2). Don’t get sucked into the “independent contractors vs. employees” trap.

Now, here’s where it gets a bit tricky. Colorado, like many other states, is clamping down on businesses that try to label workers as independent contractors to dodge workers’ comp responsibilities. The state is pretty serious about this, so be careful not to misclassify your employees. If someone’s primarily doing work for your business and isn’t an independent business themselves, they’re probably your employee.

3). Rules for sole proprietors and partners.

If you’re a sole proprietor or a partner in a business, you’re not required to carry workers’ comp on yourself unless you opt-in. However, it might still be a smart move to protect yourself.

4). Rules for LLCs and corporate officers.

If you’re an LLC, you must cover your employees but not yourself. For corporate officers, the story’s a bit different. If you’re an officer and you own at least 10% of the corporation, you can choose to exclude yourself from workers’ comp coverage. But honestly, why would you? Accidents can happen to anyone, so it might be wise to cover yourself too.

5). Rules for farm labor and casual workers.

If you’re in the agricultural or casual labor business, things are a bit different. You’re required to provide workers’ comp if you have more than 5 regular employees or 100 or more days of agricultural labor in a year.

Chat with a Workers’ Comp Professional Today

Navigating workers’ compensation laws can be tricky, especially if you’ve never done it before. The good news: you don’t have to do it alone.

Avalue Insurance is your go-to partner for all things workers’ comp in Colorado. We understand the ins and outs of the state’s laws, and we’re here to make workers’ comp a lot simpler. Request a consultation today to get started!

To speak with an agent right away, give us a call at (303) 773-3332 or email us at: info@avalueinsurance.com

Best Business Insurance for Small Businesses

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Protecting Your Legacy: The Best Business Insurance for Small Businesses

KEY TAKEAWAYS:

  • Looking for the best business insurance for small businesses? Here are the top three types: 
    • General Liability Insurance:
      • Essential for all small businesses
      • Covers third-party injuries, property damage, and advertising injuriesActs as a safety net against unexpected situations and lawsuits
      Commercial Property Insurance:
      • Safeguards physical assets, including buildings, contents, and business interruption
      • Protects against perils like fire, theft, vandalism, and natural disastersEnsures a quick recovery in case of asset compromise
    • Workers’ Compensation Insurance:
      • Required for businesses with employees in most states
      • Covers medical expenses, lost wages, and provides legal protection
      • Demonstrates commitment to employee safety

As a small business owner, you’ve poured your heart and soul into building your dream venture. Whether you run a cozy cafe, a tech startup, or a boutique store, your business is not just an investment; it’s a part of who you are. But as you navigate the unpredictable journey of entrepreneurship, it’s essential to safeguard your hard work and dedication. That’s why it’s important to find the best business insurance for small businesses.  Let’s explore the three best types of business insurance that will help you protect your small business.

What’s the Best Business Insurance for Small Businesses? Here are the Top 3 Types:

1). General Liability Insurance

General liability insurance is arguably the best business insurance for small businesses. Every small business owner should consider it a fundamental necessity. This insurance type offers protection against a wide range of common risks, including:

  • Third-party injuries: If a customer slips and falls in your store or office, sustaining an injury, general liability insurance can cover their medical expenses and protect your business from costly lawsuits.
  • Property damage: Accidents happen, and if your business unintentionally damages someone else’s property, this insurance type can cover the costs of repair or replacement.
  • Advertising injuries: If your advertising efforts inadvertently lead to defamation, copyright infringement, or slander claims, general liability insurance can protect your business from legal consequences.

2). Commercial Property Insurance

Your business’s physical assets are invaluable, from your storefront or office space to your inventory, equipment, and furnishings. Commercial property insurance is designed to protect these assets from things like fire, theft, vandalism, and certain natural disasters.

Here’s what it typically covers:

  • Buildings: If you own the property where your business operates, commercial property insurance can cover damages to the structure itself, including walls, roofs, and floors.
  • Contents: This includes everything within your business premises, such as inventory, machinery, office furniture, and even personal belongings if they are essential to your business operations.
  • Business interruption: In case your business operations are temporarily halted due to a covered event, this insurance can compensate for lost income, ongoing expenses, and the costs associated with temporary relocation.

3). Workers’ Compensation Insurance

If your small business has employees, then workers’ compensation insurance is not just a good idea; it’s typically required by law in most states. This insurance type is crucial for protecting both your employees and your business in the event of workplace injuries or illnesses.

Workers’ comp covers things like:

  • Medical expenses: It pays for medical treatment, rehabilitation, and medication required to treat work-related injuries or illnesses sustained by your employees.
  • Lost wages: If an employee needs time off work to recover, this insurance can provide partial wage replacement, ensuring they have financial support during their recovery.
  • Legal protection: In exchange for workers’ compensation coverage, employees generally waive their right to sue their employer for workplace injuries, which can protect your business from costly lawsuits.

Chat with an Agent About Protecting Your Business Today

Navigating the world of business insurance can be daunting, especially when you’re focused on running your small business. That’s where we can help! We understand the unique challenges that small businesses face, and we’re here to help you find the right insurance solutions tailored to your specific needs. Contact us today, and let us help you find the best business insurance for your small business!

The Top 9 Life Insurance Questions and Answers

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Exploring the Most Common Life Insurance Questions and Answers

KEY TAKEAWAYS:

  • 9 common life insurance questions and answers:
    • What is it and why do I need it? Life insurance is a contract between you and an insurance company, providing a payout to beneficiaries upon your passing.
    • How much coverage do I need? The amount of life insurance needed depends on factors such as debts, income replacement, education expenses, and more.
    • What types of life insurance are available? Types of life insurance include term life (temporary coverage) and permanent life (lifelong coverage with cash value).
    • How much does it cost? Premiums vary based on age, health, coverage amount, and policy type.
    • When is the best time to buy? The best time to buy life insurance is as early as possible to secure lower premiums.
    • What happens if I outlive my term life insurance policy? If you outlive your term life insurance policy, you can renew, convert to permanent insurance, or explore new options.
    • Can I have multiple policies? Multiple life insurance policies from different insurers can be strategically used for various needs and beneficiaries.
    • Do I need a medical exam to qualify? Medical exams may be required for some policies, while others offer simplified underwriting.
    • Can I change my beneficiaries? Beneficiaries can be changed at any time by updating your policy with your insurance company.

Life insurance is a great way to provide for your loved ones even after you’re no longer here to be the sole provider. Better than a savings account, life insurance offers a variety of benefits to your beneficiaries. But if you’re like most people, then you probably have several questions about how these policies work. That’s why we’re counting down the top 9 life insurance questions and answers. Here, you’ll find everything you’ll need to know about these helpful policies (and more)!  

9 Life Insurance Questions and Answers

1. What is life insurance, and why do I need it?

Up first on our list of life insurance questions and answers: what is it and why do I need it? Life insurance is a contract between you and an insurance company. You pay regular premiums, and in return, the insurer provides a payout to your beneficiaries (the people you choose) upon your death. The primary purpose of life insurance is to offer financial security to your loved ones, helping them cover expenses like funeral costs, outstanding debts, and ongoing living expenses.

Top 9 Life Insurance Questions and Answers - Avalue Insurance
Top 9 Life Insurance Questions and Answers – Avalue Insurance

2. How much life insurance do I need?

The amount of life insurance you require depends on your individual circumstances, including your financial obligations, future goals, and family’s needs. Common factors to consider include:

  • Outstanding debts (mortgage, loans, credit cards).
  • Funeral and burial expenses.
  • Income replacement for your family.
  • Children’s education expenses.
  • Estate taxes, if applicable.

3. What types of life insurance are available?

There are two primary types of life insurance: term life insurance and permanent life insurance.

  • Term Life Insurance: Provides coverage for a specific term, typically 10, 20, or 30 years. It offers lower premiums but does not accumulate cash value.
  • Permanent Life Insurance: Includes options like whole life, universal life, and variable life insurance. These policies offer lifelong coverage and often feature a cash value component that can grow over time.

4. How much does life insurance cost?

The cost of life insurance varies based on several factors, including your age, health, coverage amount, and the type of policy you choose. Generally, term life insurance tends to be more affordable than permanent life insurance.

5. When is the best time to buy life insurance?

The best time to purchase life insurance is as early as possible. Premiums are typically lower when you’re younger and healthier. However, it’s never too late to sign up!

6. What happens if I outlive my term life insurance policy?

If you outlive your term life insurance policy, you typically have a few options. You can renew the policy, convert it to permanent insurance (if available), or explore new coverage options.

7. Can I have multiple policies?

Yes, you can have multiple policies from different insurers. This can be a strategic approach to tailor your coverage to different financial needs and beneficiaries.

8. Do I need a medical exam to get life insurance?

The requirement for a medical exam varies depending on the type and amount of coverage you seek. Some policies may require a medical examination, while others offer “no-exam” or simplified underwriting options. The choice often impacts the cost of your premiums.

9. Can I change my beneficiaries?

Last on our list of life insurance questions and answers is: can I change my beneficiaries, or are they locked in? Yes, you can change your beneficiaries at any time by contacting your insurance company and updating your policy. It’s important to review your beneficiary designation regularly to make sure it aligns with your current wishes.

Speak with a Life Insurance Professional Today!

There you have it — the top 9 life insurance questions and answers! But if you still have questions that you’d like answered, then don’t worry. We’re here to help! Contact Avalue Insurance today to receive expert guidance on the best policy for you and your loved ones!

You can also give us a call at (303) 773-3332 or email us at: info@avalueinsurance.com 

Why You Need General Liability Insurance for an LLC

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Protecting Your Small Business: The Benefits of Having General Liability Insurance for an LLC

KEY TAKEAWAYS:

  • Thinking about getting general liability insurance for an LLC? Here’s why it’s a game-changer:
    • General liability insurance protects against lawsuits, covering legal defense costs, settlements, or judgments.
    • It provides coverage for property damage, shielding your business assets from financial burdens.
    • The insurance covers medical expenses for third parties injured on your business premises.
    • Advertising injury protection safeguards against unintentional marketing-related disputes.
    • Having general liability insurance for an LLC can give you a competitive edge and build trust with clients.

When most people think “commercial insurance”, they think “corporations”. The larger the business, the more insurance coverage it needs — or so you may think! But the size of your business doesn’t dictate the amount of protection it needs. While big corporations usually invest in extensive insurance plans, small businesses can still benefit from certain types of insurance — especially generally liability insurance. In most cases, having general liability insurance for an LLC is a great idea. It could even be exactly what your small business needs to stay afloat!

So, how do you know if you need general liability insurance for an LLC? Let’s talk about it.

General Liability Insurance for an LLC - Avalue Insurance
General Liability Insurance for an LLC – Avalue Insurance

Why it’s a Great Idea to Get General Liability Insurance for an LLC:

1). Protection Against Lawsuits

Regardless of how meticulous you are in managing your business, accidents can still happen. All it takes is one mishap, and suddenly, you’re being held personally liable for legal defense costs, settlements, or judgments resulting from bodily injury or property damage. General liability insurance steps in to shoulder these expenses, ensuring that your business and your assets are protected.

2). Coverage for Property Damage

Accidents can lead to unintentional property damage. For instance, consider a scenario where your small construction LLC is renovating a client’s home, and one of your workers accidentally damages a valuable piece of art. If you don’t have general liability insurance, you’d be on the hook for covering the cost of repairs or replacements from your business assets. But with insurance, your policy can pick up the tab for you.

3). Medical Expenses

If a third party sustains an injury on your business premises, whether it’s a customer or a visitor, general liability insurance can cover their medical expenses. This encompasses immediate medical treatment, ambulance fees, and even follow-up care costs. By having this coverage, your small LLC can showcase its commitment to the well-being of your customers, fostering more trust and goodwill and possibly avoiding a lawsuit!

4). Advertising Protection

In the world of marketing and advertising, it’s easy to inadvertently step on someone else’s toes. Whether it’s unintentional copyright infringement in an advertisement or accidental misrepresentation, general liability insurance offers protection against advertising mishaps. This coverage ensures that if your small LLC faces claims related to advertising practices, you have the financial support to address the issue.

5). Competitive Edge

Having general liability insurance for an LLC can also give you a competitive edge. Many clients and customers prefer to work with businesses that are adequately insured. It signals your commitment to professionalism, responsibility, and the well-being of those you serve. In a crowded marketplace, this advantage can help your small LLC stand out!

Insure Your LLC Today!

Don’t let the size of your business dissuade you from insuring it. Having general liability insurance for an LLC can be a game-changer, and we’re here to help you get the coverage that you need. Our experienced agents are here to help you secure a policy that perfectly aligns with your small LLC’s needs. Contact us today to request a consultation, and start comparing policies with an experienced commercial insurance agent!

From California Dreamer to Colorado Career-Woman

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Introducing: Sharon Kalmes

Sharon Kalmes is our commercial account manager here at Avalue Insurance. She’s a seasoned insurance pro and our resident expert for commercial and personal lines. With over 40 years in the insurance game, Sharon brings four decades of experience and a prestigious CIC designation to our team.  

Originally hailing from California, Sharon lovingly refers to herself as a “semi-native”. She made the move to Colorado in February of 1985 after a job promotion, and she would soon meet her husband (a “true” Colorado native) and settle down in the Centennial state.

Being the policy guru that she is, Sharon stayed committed to the insurance industry. It was only a matter of time before she met Sarah Lampard, owner of Avalue Insurance. Sharon had initially interviewed with another agency, and the owner of that agency decided to get in touch with Sarah. Impressed by Sharon’s qualifications and experience, Sarah wasted no time and promptly called her in for an interview. The two instantly connected, and Sharon was hired on the spot.

As a beloved member of the Avalue family, Sharon is a dependable teammate — the kind of teammate who can hold down the fort for you while you’re on vacation! “When I first hired her, I left on my first vacation 10 days later,” says Sarah Lampard. “She told me not to bring my laptop with me on vacation, and that she could handle it. I will never forget that. She rocks!”

Sharon has been with us for 10 happy years. When asked what she loves most about Avalue Insurance, she happily proclaimed, “the working environment!” Sharon is a strong team member, and she values comradery above all else. Because of this, she feels right at home at Avalue Insurance — where teamwork is paramount and success is happily shared.  

Outside of Avalue, Sharon is an outdoor enthusiast, an avid golfer, and a pickleball aficionado. And when she’s not enjoying the great outdoors, you can find her cooking up a storm, always ready to master new recipes.

In Sharon Kalmes, we have not only found a top-notch commercial account manager, but also an amazing individual with a wealth of experiences and a zest for life. Her commitment to excellence is inspiring, and her adventurous spirit is infectious. Here’s to another 10 lovely years, Sharon!

How to Get Car Insurance at a Great Rate: A First-Timer’s Handbook

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Have You Been Wondering How to Get Car Insurance at a Decent Rate?

Then you’re in the right place! Whether you’re a brand-new driver or are just looking to understand auto insurance a bit better, this quick and easy guide is for you. Here’s how to get car insurance at a great rate (even if you’re not a car insurance guru)!

KEY TAKEAWAYS:

  • How to get car insurance at a great rate every single time:
    • Determine Your Coverage Needs
      • Understand the basic types of coverage, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
    • Understand the Factors Affecting Your Premium
      • Factors like driving record, age, location, vehicle type, and coverage levels impact your premium.
      • Finding the right balance between coverage and cost is essential.
    • Ask About Discounts
      • Many insurers offer discounts, such as multi-policy, good driver, good student, safety features, and low mileage discounts.
    • Consider Bundling Your Car Insurance with Other Policies
      • Bundling combines auto insurance with other policies like home or renters insurance.
      • Bundling often results in valuable discounts and lower premiums.

Here’s How to Get Car Insurance at a Great Rate Every Time:

1). Determine Your Coverage Needs

Before you start shopping for policies, you’ll need to understand the different types of auto coverage and which ones you’ll need. Here are some of the essentials:

Liability Coverage: This is the foundation of car insurance. It covers bodily injury and property damage in the event you’re at fault in an accident. It’s often required by law.

Collision Coverage: This covers damage to your vehicle in the event of a collision with another car or object.

Comprehensive Coverage: This takes care of non-collision-related incidents like theft, vandalism, or natural disasters.

Uninsured/Underinsured Motorist Coverage: Did you know that in Colordo alone, you have a 1 in 8 chance of getting struck by an uninsured/underinsured driver? Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have insurance or has insufficient coverage.

2). Understand the Factors Affecting Your Premium

Several factors impact the cost of your car insurance premium (or your “monthly payments”). These include:

Driving Record: A clean record usually results in lower premiums, while accidents and violations can lead to higher rates.

Age and Gender: Young and inexperienced drivers often pay more for insurance. Gender can also play a role in some states.

Location: Where you live can affect your rates. Urban areas may have higher premiums due to increased traffic and theft rates.

Vehicle Type: The make and model of your car, as well as its age and safety features, can influence your premium. The safer your vehicle, the lower your premium!

Coverage Levels: The more extensive your coverage, the higher your premium. Finding the right balance between coverage and cost is crucial.

3). Ask About Discounts

If you’ve been wondering how to get car insurance at discounted rates, then you’re in luck! Many insurance companies offer discounts that can help you save on your premium. Common discounts include:

Multi-Policy: Save by bundling your auto insurance with other policies like home or renters insurance.

Good Driver: Enjoy lower rates if you have a clean driving record. You can also qualify for good driver discounts through telematic apps offered by certain carriers. Telematic apps track and recognize your safe driving habits, and they could help you qualify for discounts ranging anywhere between 5 and 30 percent!

Good Student: Students with excellent grades can often score a discount.

Safety Features: Cars equipped with safety features like anti-theft devices and airbags may qualify for reduced rates.

Low Mileage: If you don’t drive much, you could be eligible for a low mileage discount.

4). Consider Bundling Your Auto Insurance with Other Policies

Bundling your auto insurance with other insurance policies, like home or renters insurance, is a smart move that can save you some serious cash. Not only does it simplify your life by having all your policies in one place, but it can also earn you valuable discounts. Insurance providers often reward customers with lower premiums when they bundle, making it a win-win for your coverage and your wallet. Plus, it’s just plain convenient – one less thing to worry about!

Want to Know How to Get Car Insurance Quickly and Easily?

Simple: let us handle it for you! At Avalue Insurance, we’re here to help you in finding the right policy at the right price. As independent agents, we have the freedom to let you compare multiple policies and multiple prices. Contact us today, and let our experts simplify your car insurance search!  

Texan Charm, Colorado Spirit

Posted on by admin

Everyone, Meet Diane!

Meet Diane Engles, a Texan by birth, a Coloradan by choice, and a valued member of the Avalue Insurance family. Diane’s journey is one filled with passion, dedication, and a commitment to making a difference in both her professional and personal life.

Originally hailing from the bustling city of Houston, Texas, Diane’s roots run deep in the Lone Star State. Born and raised amidst the Texan hospitality and warm Southern charm, she carried these values with her when she embarked on a new chapter in Colorado in 1999.

Diane’s venture into the insurance world began in 2015, marking a career shift that would lead her to her current role as an account manager for personal insurance at Avalue Insurance. Her journey, however, is not just about numbers and policies; it’s about the people she serves and the impact she makes.

Before her insurance career, Diane wore many hats, including owning businesses a Sylvan Learning Center in Houston, Texas. Her administrative prowess shone through, but it was her desire for change that ultimately set her on her current path. That’s when she met Sarah Lampard, CEO and Founder of Avalue Insurance.

While searching online for a new insurance agency to collaborate with, it was Sarah’s website that caught her eye. It wasn’t just the services offered; it was the values that Sarah and Avalue Insurance embodied. Diane left a message, scheduled a phone call, and showed up to meet Sarah. The connection was immediate, and Sarah hired her on the spot. Today, Diane works as a personal insurance account manager.

Since she first started at Avalue Insurance in 2017, Diane has been an active part of the Avalue community, an exemplary worker, and an impressive green-thumb around the office. But Diane’s impact extends far beyond the insurance world. One of her most significant life accomplishments was embarking on a life-changing journey to Costa Rica in 2006. There, she lived for four years, immersing herself in the vibrant culture and giving back to the community through volunteer work. Her time in Costa Rica reflects her servant spirit, and her position at Avalue Insurance shows her ongoing commitment to people.

So, the next time you think about insurance, remember that it’s not just about policies and premiums—it’s about the people behind the scenes, like Diane Engles, who make it their mission to protect, serve, and empower. And if you’re ever in need of insurance guidance or a friendly face at Avalue Insurance, Diane will be there, ready to assist you with her Texan charm and Colorado spirit.

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