Arvada Auto Insurance Rates

The Holste Agency can provide you with the best Arvada auto insurance rates available.  Having partnered with over 50 of the top insurance companies for home and auto in Colorado, we will provide you with multiple coverage and money-saving quote options.  We understand the top insurance discounts available to you and how to maximize them on your policy.
In addition to the best Arvada auto insurance rates, our friendly, knowledgeable staff will be here to answer any of your coverage or billing questions and assist you with any claims as well.
To receive your insurance quote, please feel free to contact our office.

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Denver Metro Home and Auto Insurance Quotes

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The Holste Agency specializes in providing Denver Metro home and auto insurance quotes.  With access to over 50 top-rated insurance companies, we can provide you multiple quote and coverage options.  We will take the time to understand your specific risks and make sure that we provide the proper protection against potential claims and litigation.
Once your policy is written we will be there to answer policy questions, billing concerns, and assist with claims.  To find out more about how we can help you with your Denver Metro home and auto insurance quotes, please contact our office or visit our Get a Quote page.

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Arvada Auto Insurance Rates

The Holste Agency can provide you with the best Arvada auto insurance rates available.  With access to more than 50 top-rated insurance companies, we can provide you with multiple insurance quotes with a variety of insurance coverage options.   Our top-notch customer service staff will help you maximize your insurance discounts and ensure your policy has the lowest Arvada auto insurance rates available.
To get your free insurance quote, please visit our Get a Quote page or give our office a call and we’ll be happy to help.

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Arvada Home Insurance Quote

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If you are looking for an Arvada home insurance quote, then The Holste Agency can help.  Our agency specializes in working with Arvada and Denver Metro residents to ensure you have the coverage you need at the best premium available.  As independent insurance agents, we can provide you with multiple Arvada home insurance quotes from a variety of A-rated insurance companies.
In addition to providing Arvada home insurance quotes, our agency’s customer service team will be there to answer any coverage or billing questions you may have.  And if you are ever involved in a claim, we will help you through the entire process.
If you would like to find out more, please feel free to give our office a call.

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Expert Service At This Denver Metro Insurance Agency

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At the Holste Agency we pride ourselves on providing you with the best insurance services available at competitive prices. Our professional team provides a wide variety of services including personal insurance coverage, life insurance coverage, and commercial insurance coverage. We will also take the time to listen to you and ensure that we find that right coverage for your personal needs.  Please contact us today for your free estimate. We proudly serve the Denver Metro area and  look forward to working with you soon.

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Work with a Trusted Insurance Advisor

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If you are looking for an insurance advisor that you can trust, then looking no further than The Holste Agency.   We have years and years of experience in protecting families and individuals.   Also as independent insurance agents, we can provide you multiple money-saving insurance quotes that will not only save you money on your premiums, but provide the right insurance coverage to protect you and your family.
All we ask is that you give our office a call so we can show you where you may be at risk for potential litigation.  We will provide insight into the insurance coverage you and provide you with the necessary insurance quotes to make that happen.

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Denver Metro Insurance Quotes

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If you are looking for home and auto insurance in the Denver Metro area, then The Holste Agency can help.   As an independent insurance agency, we can provide your office with multiple insurance quotes that will provide the coverage you need and save you money on your premiums in the process.
Additionally, we are focused on customer service.  So if you have questions on your policy, bill, or even a claim, our friendly knowledgeable staff will be here to help.   So if you have questions on the right coverages and policies for you and your family, please don’t hesitate to contact our office today.

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Arvada Insurance Agency

Are you working with an Arvada insurance agency that can find you multiple insurance quotes with the coverage you need? If not, then contact The Holste Agency.  As an independent insurance agency, we can provide you with multiple Arvada auto and home insurance quotes to ensure we find you the best value for your insurance dollar.
In addition to home and auto insurance, we can also provide Arvada insurance agents with life insurance and business insurance quotes.  We like to work with our customers to build a strong relationship with them so they know they can trust us. The Holste Agency is a hard working, trustworthy insurance agency that is proud to represent the city of Arvada.
If you would like to receive your FREE insurance quotes, please don’t hesitate to contact our office today.

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Preparing for Winter

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Winter Driving

Severe weather can be both frightening and dangerous for automobile travel. Here are some great tips for driving in the snow and dealing with winter road emergencies.
Tips for driving in the snow:

  • Accelerate and decelerate slowly. Applying the gas slowly to accelerate is the best method for regaining traction and avoiding skids. Don’t try to get moving in a hurry. And take time to slow down for a stoplight. Remember: It takes longer to slow down on icy roads.
  • Drive slowly. Everything takes longer on snow-covered roads. Accelerating, stopping, turning – nothing happens as quickly as on dry pavement. Give yourself time to maneuver by driving slowly.
  • The normal dry pavement following distance of three to four seconds should be increased to eight to ten seconds. This increased margin of safety will provide the longer distance needed if you have to stop.
  • Know your brakes. Whether you have antilock brakes or not, the best way to stop is threshold breaking. Keep the heel of your foot on the floor and use the ball of your foot to apply firm, steady pressure on the brake pedal.
  • Don’t stop if you can avoid it. There’s a big difference in the amount of inertia it takes to start moving from a full stop versus how much it takes to get moving while still rolling. If you can slow down enough to keep rolling until a traffic light changes, do it.
  • Don’t power up hills. Applying extra gas on snow-covered roads just starts your wheels spinning. Try to get a little inertia going before you reach the hill and let that inertia carry you to the top. As you reach the crest of the hill, reduce your speed and proceed down hill as slowly as possible.
  • Don’t stop going up a hill. There’s nothing worse than trying to get moving up a hill on an icy road. Get some inertia going on a flat roadway before you take on the hill.

Additional Information
AAA has put together a great brochure that includes tips for driving in the snow among other winter preparation tips.  To read the brochure, you can go to the following link: http://exchange.aaa.com/wp-content/uploads/2012/12/AAA-How-to-Go-Ice-Snow.pdf

Avoiding Frozen Pipes

Before the Cold Hits:

  • Check for small holes or cracks in the exterior of your home and ensure they are insulated.
  • Cover around any water pipes that are on the inside of exterior walls.

If Your House is Occupied During the Winter:

  • Maintain temperature settings at 3-4 degrees higher than normal.
  • Turn on any faucets and allow a constant trickle.
  • Open any cabinet doors under sinks to allow heat to warm the pipes.
  • Insulate your pipes.
  • Shut off exterior faucets used for garden hoses from inside your basement and leave the exterior faucets open outside.

If Your House is Unoccupied During the Winter:

  • Set the thermostat no lower than 60 degrees and install a low heat alarm.
  • Have a plumber install a low water cutoff switch on a forced hot water boiler.
  • Have the water service shut off all to your house.
  • Drain all waterlines leaving drain valves open.
  • Shut off gas to the home.
  • Have the house checked weekly.


 

Winterize Your Car

Before it’s starts snowing, it’s recommended that you have a mechanic check the following items on your car:

  • Antifreeze levels – ensure they are sufficient to avoid freezing.
  • Battery and ignition system – should be in top condition and battery terminals should be clean.
  • Brakes – check for wear and fluid levels.
  • Exhaust system – check for leaks and crimped pipes and repair or replace as necessary. Carbon monoxide is deadly and usually gives no warning.
  • Fuel and air filters – replace and keep water out of the system by using additives and maintaining a full tank of gas. A full tank will keep the fuel line from freezing.
  • Heater and defroster – ensure they work properly.
  • Lights and flashing hazard lights – check for serviceability.
  • Oil – check for level and weight. Heavier oils congeal more at low temperatures and do not lubricate as well.
  • Thermostat – ensure it works properly.
  • Windshield wiper equipment – repair any problems and maintain proper washer fluid level.
  • Install good winter tires – Make sure the tires have adequate tread. All-weather radials are usually adequate for most winter conditions. However, some jurisdictions require that to drive on their roads, vehicles must be equipped with chains or snow tires with studs.
  • Update the emergency kits in your vehicles with:
    • a shovel
    • windshield scraper and small broom
    • flashlight
    • battery powered radio
    • extra batteries
    • water
    • snack food
    • matches
    • extra hats, socks and mittens
    • first aid kit with pocket knife
    • necessary medications
    • blanket(s)
    • tow chain or rope
    • road salt and sand
    • booster cables
    • emergency flares
    • fluorescent distress flag

Winterize Your Home

  • Winterize your home to extend the life of your fuel supply by insulating walls and attics, caulking and weather-stripping doors and windows, and installing storm windows or covering windows with plastic.
  • Winterize your house, barn, shed or any other structure that may provide shelter for your family, neighbors, livestock or equipment. Clear rain gutters; repair roof leaks and cut away tree branches that could fall on a house or other structure during a storm.
  • Maintain heating equipment and chimneys by having them cleaned and inspected every year.
  • Insulate pipes with insulation or newspapers and plastic and allow faucets to drip a little during cold weather to avoid freezing. Running water, even at a trickle, helps prevent pipes from freezing.
  • All fuel-burning equipment should be vented to the outside and kept clear.
  • Keep fire extinguishers on hand, and make sure everyone in your house knows how to use them. House fires pose an additional risk, as more people turn to alternate heating sources without taking the necessary safety precautions.
  • Learn how to shut off water valves (in case a pipe bursts).
  • Insulate your home by installing storm windows or covering windows with plastic from the inside to keep cold air out.
  • Hire a contractor to check the structural ability of the roof to sustain unusually heavy weight from the accumulation of snow – or water, if drains on flat roofs do not work.
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Thanksgiving Safety Tips

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Thanksgiving is all about food and family – turkey, stuffing, sweet potatoes, pumpkin pie and family time. However, preparing holiday goodies can lead to disaster – the kitchen is the setting of more fires than any other room in the house, and cooking is the leading cause of fires in the home.

The following safety list was prepared by the American Red Cross to ensure a safe and happy Thanksgiving:

The cooks should start by not wearing loose clothing or dangling sleeves while cooking. Never leave cooking food unattended – stay in the kitchen when frying, grilling or broiling food. If someone must leave the kitchen for even a short period of time, they should turn off the stove. Other safety steps include:

  • Check food regularly while cooking and remain in the home while cooking. Use a timer as a reminder that the stove or oven is on.
  • Keep the kids away from the cooking area. Enforce a “kid-free zone” and make them stay at least three feet away from the stove.
  • Keep anything that can catch fire – pot holders, oven mitts, wooden utensils, paper or plastic bags, food packaging, and towels or curtains—away from the stove, oven or any other appliance in the kitchen that generates heat.
  • Clean cooking surfaces on a regular basis to prevent grease buildup.
  • Purchase a fire extinguisher to keep in the kitchen. Contact the local fire department to take training on the proper use of extinguishers.
  • Always check the kitchen before going to bed or leaving the home to make sure all stoves, ovens, and small appliances are turned off.
  • Install a smoke alarm near the kitchen, on each level of the home, near sleeping areas, and inside and outside bedrooms. Use the test button to check it each month. Replace all batteries at least once a year.

We hope you have a happy and safe Thanksgiving!

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