Why Millennials Are Changing the Face of Auto Insurance

Millennials represent the single largest market force that is already disrupting the auto insurance industry. This generation is empowered, determined, and is already leading a different path in the modern world and auto insurance companies such as Alliance Insurance Services are forced to change their strategies to serve them effectively.

Millennials are the young adults aged between 20 and 36 years.They account for more than a third of the American population and have taken over from the baby boomers. So how are these young adults disrupting the car insurance industry?

They Aren’t Loyal to Insurance Brands

These young adults are keen to shop around for their car insurance. For instance, if they have renters’ insurance, they are less willing to purchase their auto insurance policy from the same insurance provider. The same thing happens when it comes to renewing their policies. They’ll prefer to look around for the best insurance deal since they are no motivation for them to remain loyal to a specific brand.

They are Online Consumers

Millennials are twice likely to buy their auto insurance policies online compared to their parents. This is contrary to a majority of baby boomers who still purchase their auto insurance policies from agents. Even if they don’t purchase online, this group of individuals will be more comfortable with a provider who has their rates online as well as an option to contact the insurance provider online.

Millennials Don’t Put Much value on Insurance

Although a large number of the millennials know that insurance is important, only a few of them are willing to spend their money purchasing auto insurance. Research shows that only 15 percent of the millennials in Arvada, CO believe that auto insurance is helpful. This explains why only 60 percent of the drivers aged between 19 and 30 have car insurance compared with 85 percent of the older drivers.

Are you looking for auto insurance in Arvada, CO? Contact Alliance Insurance Services today for comprehensive auto insurance.


What are the differences between PL/PD, Collision, and Comprehensive Auto Insurance?

Residents who live in Arvada, CO can turn to the agents of Alliance Insurance Services to learn more about the different types of automobile coverage that are available. PL/PD, collision and comprehensive can be confusing if you don’t know what each one covers. It’s important that you speak to a licensed insurance agent to ensure you have the right type of coverage for your vehicle and your lifestyle. 


PL/PD refers to personal liability and property damage. This type of insurance covers losses (both property and injury) incurred by other people due to an accident where you are at fault. It does not cover damages to your own vehicle or cover the cost of any injuries you may have received.


Collision insurance covers damages to your vehicle that were caused by a collision. Collision insurance does not cover your medical expenses, nor does it cover damage to another person’s car or truck. Collision insurance does not apply to any damage caused by any non-traffic related accidents.


Comprehensive insurance is a requirement if you have a loan or lien of any kind on your vehicle. It covers the cost of damage sustained in an accident as well as damage that is incurred in non-traffic related incidents. It covers your medical expenses as well. It will also cover theft and vandalism.

At Alliance Insurance Services, the residents of Arvada, CO can talk to licensed insurance agents and get the answers they need about different types of auto insurance policies. If you have questions and would like to have an audit performed to identify your auto insurance needs, schedule an appointment today and get the answers you’re looking for. 

What to do if Your Car is Stolen in Arvada, CO

Roughly 250 vehicles are stolen every year in Arvada, CO. While the number is low, there is still a possibility that your vehicle can be stolen at any time. At Alliance Insurance Services, we want you to be prepared, here are some steps you should take if your car is stolen.

Upon arriving at where you parked your car your first instinct might be to freak out or panic. Before all else, you should try to remember to remain calm. Determine that your car hasn’t been towed, repossess or that you may not have gone to the wrong parking area. After you’ve ruled out all other scenarios and are sure that auto theft has occurred, your next instinct might be to get angry. Although it can feel like the worst thing in the world to have happened, things could be worse.

The first thing you should do is call the police and file a report. The police will need a description of your vehicle including the make, model, and color. They will also need your license plate number, so it is always a good idea to memorize it.

The next thing you should do is call your auto insurance company and file a claim. This is a crucial action because should your be used to commit any crime, or cause physical damage to people or property, your insurance company can protect you from liability. Your insurance company will work with you and law enforcement to figure out the appropriate solution to your car theft woes.

Alliance Insurance Services knows that you need auto insurance that will protect you against vehicle theft. Contact us today for all your auto insurance needs in Arvada, CO.


How different is RV Insurance from Auto Insurance?

A recreational vehicle is similar to a car in many ways, a factor that contributes to the willingness of insurance companies to issue a policy. If you plan to travel to a new destination in your recreational vehicle, it would be important to understand how RV insurance differs from regular auto insurance. Please reach out to Alliance Insurance Services for an RV insurance quote in Arvada, CO.

Full-timers insurance

The full-timers insurance under this policy will cover any loss or damages that occur when the RV is parked or when the vehicle is used as a primary residence. This kind of coverage will be similar to that offered by homeowners insurance. Full-timers insurance will also meet medical bills and emergency-treatment for any third party that sustains injuries while in or around the recreational vehicle.

Emergency expense coverage

Some RV insurance policies provide coverage for any emergency expenses incurred while the vehicle is being repaired. In order for this to happen, the losses must have occurred within a specified distance from the RV and should have occurred while the vehicle is being repaired. In case you found an alternative stable residence during the repairs, the policy will also cover meals and the related traveling expenses.

Campsite liability insurance

The liability insurance is designed for RV owners who use their vehicles as their residence. The policy will not only provide full coverage for equipment such as camping gear and portable electronics but also liability from injuries caused by the camping equipment that you keep in the vehicle. This allows you the peace of mind you need to use the RV for camping activities.

You may want to use your recreational vehicle for different activities in Arvada, CO. Before hitting the road with your RV, kindly contact Alliance Insurance Services to learn more and to purchase RV insurance that will keep you protected.

How Do I Add After Market Parts to My Auto Insurance Policy?

After market parts can add a lot of value and character to your car. But most people do not realize that they are likely not covered if you are involved in an accident. This is because most insurers will not include them unless you specifically add them to your auto insurance policy. The reason for this is that most policies only cover standard items on the car. Here is some information you should know if you are looking to add after market parts to your auto insurance plan.

If you need to add after market parts to your auto insurance plan, you should be sure to save the receipts for the cost of the item and how much it cost to install. This gives your insurer an idea as to the value of your part. This can be important as the insurance policy will typically only cover the value of an item you have added.

Next, be prepared to provide your insurance company with pictures of your car. Since your car is modified, they will need pictures. This will help them if your car is in an accident. They need to know what your modified car looked like prior to the car accident.

Lastly, be prepared for your car insurance to slightly increase. When you modify your car and add after market parts to your plan, you are increasing the value of your car. If your car is stolen or in an accident, the auto insurance company has to pay more money. As such, your auto insurance plan slightly increases.

Have you added after market parts to your car? Are you looking to have them included on your auto insurance policy? We can help. Call Alliance Insurance Services, serving the greater Arvada, CO area today to get started.

Driving for a Ride-Share Company? Get Auto Insurance First

At Alliance Insurance Services, each of our clients receives a customized quote for the specific type and amount of coverage they need. That’s because the way you use your car is unique. Ride-share services, such as Uber and Lyft, are opening the door for average vehicle owners to earn a bit of money in their spare time. However, if you decide to use your vehicle for this type of purpose, you’ll need to work closely with our team to ensure you have the right type and amount of auto insurance.

What Type of Auto Insurance Do You Need?

As a rideshare driver, you will need to have an auto insurance policy that covers you, as the driver, and the vehicle. Most often, ride-share companies require you to maintain at least the state minimum requirement, but sometimes more, in order to work with them. Your coverage should include ample liability protection. If a passenger is hurt while in your vehicle, he or she may sue you for the losses. A standard auto insurance policy may not offer enough protection.

As a business investment, you may also wish to improve the amount of collision damage and property insurance you carry on your vehicle as well. Our team will help you to estimate the best possible level of coverage for your unique needs.

Get the Quote You Need for Fort Collins, CO

When you contact the agents at Alliance Insurance Services, our team will work closely with you to help you keep your vehicle protected if you plan to begin providing services as a ride-share driver. If you live in or around Fort Collins, CO, contact our team today to learn more about a customized auto insurance plan that can help you to save money on the road.


Why You May Need More Auto Insurance Than Provided By the State Minimums

As you look to purchase auto insurance, you need to pay close attention to the amount of coverage your policy provides. While you are required to carry a minimum amount of insurance, many people opt for a higher coverage level. Here is why you may wish to opt for more coverage than you are required to carry by law.

If you are involved in an auto accident, and the amount of damage done is higher than your coverage amount, you can be held personally liable for these differences. For example, if your collision coverage is $15,000, and you total a car worth $30,000, the driver of that car can sue you for the difference of $15,000. Your insurance company will only pay out the maximum amount of coverage, leaving you on the hook for that money. If you do not have it to pay out, they can obtain a judgment against you which may allow them the ability to garnish your wages, levy your bank account or even place a lien against your home. As such, it is beneficial to pay a little bit extra each and every month for a higher policy limit, ensuring you are fully covered in the event you are involved in a car accident.

Trying to determine how much auto insurance you need is a complicated algorithm. Let our professional insurance agents at Alliance Insurance Services, serving the greater Fort Collins, CO area, help you. Give us a call today, and one of our professionals will determine what coverage amount best fits your needs and then put together a policy tailored to your needs.

Car Seat Safety in Colorado

Young passengers in Colorado must be secure when riding a vehicle. As a parent, you want your child to be safe, so does Alliance Insurance Services in Fort Collins, CO. They are able to discuss car seat safety for your young passengers.

Do You Have the Right Car Seat?

The right car seat is essential for keeping children safe at all times while in your vehicle. Many children are killed in car accidents every year, which could have been avoided. As your child grows, they’ll need a different car seat. Don’t use your best guess. Check the manufacture’s requirements before switching from a carrier to a booster seat.

Types of Car Seats

  • Infants and Toddlers – rear-facing carriers only
  • Toddlers and Preschool Age – convertible, forward-facing seats
  • School Age – booster seat
  • Older Children – seat belts

All children under the age of 13 should sit in the backseat with a lap and shoulder belt for their protection.

Airbag Protection

Airbags are intended to be used for adults and teenagers. It reduces the amount of injuries during a collision. Even though they have saved millions of lives, airbags were not meant for infants, toddlers, and young children. The force exerted from the impact of an expanded airbag could be detrimental. Never place an infant or child in the front passenger seat. If you are driving a two-passenger vehicle and have no other choice than to place the child in the front, then push the seat as far back as it will possibly go.

Alliance Insurance Services have offices in the Fort Collins, CO area. They have independent agents that are available to help you adjust your auto insurance needs. These agents can also give you information on other insurance coverage that you may need, including home, life, and commercial policies.

4 Ways to Use Auto Insurance to Your Advantage in Fort Collins

Living in Fort Collins, CO, you come up against a variety of weather — sometimes even on the same day. Each driver reacts differently to it all, which means that you’re looking at some adverse conditions on the road. Alliance Insurance Services wants to help you navigate it all by using insurance to your advantage.

1. Start Asking Questions 

This is one of the best ways to really understand your insurance, and it helps you to start sorting through the consequences (both good and bad) of certain types of coverage. Most people are underinsured, and they have no idea. You don’t want to find out after an accident happens that you’re liable for certain expenses. 

2. Rethink How You See Insurance 

When you see insurance as a bill, you lessen its value. Your premium is what you pay to keep you from having to pay for thousands of dollars of damage that practically no one can afford. Seeing the benefits will also make you more likely to become more involved in what your policy actually says.  

3. Imagine the Peace of Mind 

When you know you’re covered against practically everything on the road, it can make the drive a lot less stressful. Sometimes just the comfort of having someone on your side can be an extremely significant value. Of course, we still recommend using a lot of caution, regardless of the amount of snow, rain, and sleet you may get in Fort Collins, CO. 

4. Branch Out 

Branching out often means finding more opportunities that you couldn’t from friends or even Google. Whether you’re looking for rate or just general information, give Alliance Insurance Services a call to see what we can do for your safety!

Getting Your Car Ready For Winter in Fort Collins, CO

It is no secret that the winters in the Fort Collins, CO area are brutal. Keeping your car reliable and safe during this time of year will require a bit of work on your behalf. There are a variety of things you can do to ensure your car is ready for the winter weather. Below are some of the things you need to do before the first freeze of winter arrives.

Performing a Check of the Car’s Battery

Getting a car’s battery checked out by a professional before the winter weather arrives is essential. The colder weather can wreak havoc on a battery and may leave you stranded on the side of the road. By allowing a mechanic to check the overall strength of the battery and the corrosion build up on the terminals is a great way to keep this part of a vehicle in good shape. If a new battery is required, the mechanic will be able to install it in a hurry and get you back on the road.

Get Your Car’s Oil Changed

Without the proper amount of oil in a vehicle, the internal parts of the engine will start to deteriorate rapidly. Due to the frigid winter temperatures that are common in the Fort Collins, CO area, you will need to pay close attention to when you need to get your oil changed. The mechanic that you visit may want to change the weight of the oil put into your engine to compensate for the freezing temperatures of winter. While you are getting your oil changed, be sure to let the professionals give your air and fuel filter a glance to see if they need to be changed.

If you are looking to bulk up your car insurance coverage, be sure to contact Alliance Insurance Services. The team at Alliance Insurance Services will be able to help you find a policy that fits your needs.