Month: May 2018

To properly take care of your SUV, you will want to be aware of your surroundings. Take for example that you’re driving through the snow in Arvada, CO. If the roads are slippery, then dropping the SUV down into four-wheel drive is a great choice to make. This can help ensure that you get to your destination safely. For now, let’s take a quick look at the different types of terrain that are ideal to drive an SUV on.

What Types of Terrain Are Ideal to Drive an SUV On?

When it comes to driving your SUV through different types of terrain, you first need to consider the type of drivetrain your vehicle has. Did you know that nearly 33 percent of the vehicles operated in the United States have four-wheel drive or all-wheel drive drivetrains? And while both types of drivetrains boast various benefits, they still differ from one another.

Years ago, to drop your SUV into four-wheel drive, you would have to exit the vehicle and manually make sure the front wheel hubs were locked. Thanks to advancements in technology, though, you can now simply press a button and your SUV will automatically put itself into four-wheel drive. Putting your SUV into the four-wheel drive is especially advantageous when driving on terrain that is covered in snow or ice. It is not ideal, though, for driving on terrain that requires you to make sharp turns and abrupt stops.

An SUV that is the all-wheel drive is generally far more ideal on terrains that require you to make sharp turns than a vehicle with four-wheel drive. However, it is important to understand that all-wheel drive SUVs do not come with low-range gearing, meaning they are not ideal for off-road use.

Protect Your SUV Today

Whether you have an all-wheel drive or four-wheel drive SUV, you will want to travel the roads safer by making sure you have proper insurance coverage. Contact Alliance Insurance Services serving the Arvada, CO area to learn more about adding insurance to your SUV.

If you own an RV in Arvada, CO, it is probably your pride and joy. You know that you can depend on your time on the road in your recreational vehicle to bring you pleasure and relaxation. And you probably already have a minimal policy at Alliance Insurance Services to make sure your investment is protected.

Colorado requires all RVs which are on the road to carry liability and uninsured motorist insurance, with at least $30,000 for bodily injury liability and at least $60,000 for all parties involved in an accident. But what about the times you are not on the road? Do you need to pay for coverage for the entire year, for instance, when you can only use your RV in the summer?

Your homeowner’s policy may cover your RV during times when it is being stored on your property. Unfortunately, it may not be protected at a level which would allow you to be reimbursed for the amount you would need to replace or repair your RV if there were an unfortunate accident or theft. Check with your insurance agent if you have any question about your policy limits.

Additionally, you may be required to carry full coverage on your RV if you are still paying on a loan. Failure to carry insurance could cause your lender to impose an unwanted, expensive insurance policy on your RV so they can protect themselves against a loss.

If you own your RV outright are really trying to save money on your RV insurance during the offseason, ask your Alliance Insurance Services agent about comprehensive coverage just for those months. This will ensure your RV against theft, fire, water damage or any other disasters. Call today if you live in Arvada, CO and want to get the protection you need.