Recreational vehicles are meant for fun. But, they also represent a tremendous financial investment, which means that the owner can suffer a substantial financial loss if it’s not appropriately protected through insurance coverage. In Colorado, recreational insurance is essential since your standard auto and homeowner’s policy doesn’t cover physical damage or liability for your recreational vehicle. At Alliance Insurance Services, we provide recreational insurance in Arvada, CO and its surrounding environs.
Many people don’t know that recreational vehicles include motorhomes, boats, pull-a-longs, and fifth wheels. No matter the type of recreational vehicle you own, it’s essential to have an insurance policy that protects you, your investment, as well as your passengers.
Benefits of RV insurance
RV insurance is categorized into different coverages. The property damage and bodily injury liability policies will pay for the damages or injuries you cause to another party. You can also get a comprehensive/collision policy to pay for your RV if it gets damaged in a collision or stolen no matter who is at fault. Other coverages that you can get include medical payments for covering medical expenses after an accident and underinsured/ insured motorist’s policy which pays for losses if you are involved in an accident with an individual who lacks the financial resources to compensate you.
When you have these coverages, you will not worry when you are using your RV no matter where you are. Also, your RV insurance can provide extra coverage that applies specifically to your RVs exposure and size. For instance, roadside assistance coverage will help if your recreational vehicle breaks down and requires towing. You can also get emergency expense coverage to cover the expenses incurred if you have to call the fire department to save your recreational vehicle.
If you own an RV, a visit to Alliance Insurance Services in Arvada, CO will be beneficial; you’ll get the perfect coverage to protect you when you need it most. Feel free to talk to us today.
Motorists everywhere know the dangers of motorcycle driving. Whether it’s because of a motorcycle’s small size, the biker’s exposure or a disregard of motorcycle safety, motorcyclists in Colorado account for over 20% of roadway fatalities and are 26 times more likely to be in an accident than car or truck drivers.
With these factors in play, motorcycle insurance becomes incredibly important for Arvada, CO motorcyclists. Here are a few tips to lower the cost of your motorcycle insurance by making yourself safer on the road.
Limit the Mileage and Usage of Your Motorcycle
One element of risk associated with any type of vehicular use is the amount of time spent on the road. As more driving causes increased risk, individuals who spend a lot of time riding their motorcycles are likely to pay extra. Bikers who want to keep their costs down should limit how often they bike in order to keep their overall mileage down.
Bikers who wish to reduce their risk to insurance companies by controlling their mileage might also consider only using their motorcycles during limited seasons of the year. Bikers may be able to get seasonal coverage for their bikes, mitigating expenses during the months when they’re not out on the road.
Improve Your Motorcycle’s Security
Motorcyclists who take steps to increase the safety of their motorcycle can sometimes receive a discount from the insurance company. Electric alarms or motorcycle immobilizers may help deter theft, as can motorcycle cameras and other precautionary devices. Motorcyclists who take steps to secure their motorcycle can both save money and be less likely to have their bikes stolen.
Take a Motorcycle Training Course
Motorcyclists who take steps to improve their road-handling skills may receive a discount on their motorcycle insurance, much like how car drivers can save by taking defensive driving courses. These classes can both save you money and help keep you safe whenever you’re on the road.
There are many factors to take into consideration when purchasing motorcycle insurance, and the cost is only one of them. Reach out to Alliance Insurance Services today to get a customized quote and decide if our motorcycle insurance services are right for you.