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Going on our blog post from last week about the insurance discounts available to Denver and Arvada residents, this week we wanted to share with our Denver and Arvada residents the auto insurance discounts that are available to them:
1. Multi-Policy Discount.  Just like for homeowners, the quickest and easiest policy discount is the multi-policy discount that you can obtain simply by combining your home and auto insurance policies.
2. Multi-Car Discount. By insuring multiple cars with the same insurance company on the same policy, you will be eligible for reductions on your premiums.
3. Passive Restraint.  Purchasing a vehicle with factory-installed safety belts and air bags will qualify for a discount.
4. Antilock Brakes.  Factory-installed antilock brakes on all four wheels will help as well.
5. Anti-Theft Devices.  Active and passive disabling devices like alarms or vehicle recovery devices will add significant premium discounts to your auto policy.
6. Good Student Discount.  If you have teen drivers in your household, you will want to see if you can qualify for a good student premium discount.   Usually maintaining a B or equivalent grade point average.
7. Low Mileage Discount. One of the biggest discounts available is the low mileage discount.   Many insurance companies will reduce your premiums significantly for driving your vehicle less.
If you have any questions on the discounts available to you for your auto insurance, of if you would like to receive quotes on your autos, please feel free to contact our office.

The Holste Agency can work with you to provide multiple money-saving Arvada Auto Insurance Quotes.  As a local, independent agency we have access to over fifty different top-rated insurance companies that will provide you with multiple coverage and premium options.  We will take the time to make sure we understand your potential risks and the best way to provide coverage for them.  Additionally, our staff will work closely with you to answer all of your questions and provide assistance on any claims.
To get your Arvada auto insurance quote, please contact our office to find out more.

We all know that insurance is an unavoidable cost that comes with the ownership of a vehicle.  However, what many people don’t know is there are a number of insurance discounts available to help you save on your auto insurance premiums.
Discount #1: Good Credit
Many people don’t realize that most insurance companies now use a credit-based scoring system to determine your insurance premiums.   They have found a direct correlation between your credit score and likelihood of you being involved in an accident.
This means that in determining your auto insurance premiums, insurance companies will offer discounts to applicants with higher credit scores.
Discount #2: Anti-theft Discount
Installing security features like a car alarm, fuel cutoff switch, or stolen-car tracking system can lead to discounts of up to 25 percent on the comprehensive portion of your auto insurance policy.
Discount #3: Occupational Discount

The type of work you do can actually have an effect on your premium.
Car insurance companies understand that certain occupations lend themselves to significantly less driving and fewer accidents.  Many insurance companies offer discounts to doctors, dentists, teachers, engineers, and scientists.
Discount #4: Green Discounts
Some insurance companies are rewarding peoples efforts to go green.   For example, some insurance companies are offering discounts for receiving monthly online statements rather than paper billing statements.  Others are offering discounts for signing your application with an electronic signature.   And, most importantly, owners of hybrids and electronic vehicles can realize significant savings for the type of car they drive.
Discount #5: Early Purchase Discount
By purchasing your auto insurance policy before the renewal date, usually two weeks, you may qualify for an early shopper discount.   Insurance companies will actually reward you for doing your insurance shopping ahead of time.   This discount varies in size from 5 percent to 15 percent depending upon the insurance company you choose.
Discount #6: Armed Forces Discount
For anyone in the armed forces – including students in programs like ROTC – your insurance company may offer an additional 10 to 15 percent military discount.
Also, depending upon the insurance company, there may also be additional discounts available for association participation, marriage discount, or good student discounts to name a few.
If you are interested in finding out what auto insurance discounts you may qualify for, please don’t hesitate to give our office a call and we’ll be happy to assist.
 

 
Did you know that for Arvada and Denver metro residents adding a teenage driver to your auto insurance policy can cause your premiums to jump anywhere from 50 to 100 percent?
Teenage drivers have a disproportionately high amount of traffic accidents and tickets.  In fact, auto accidents are the leading cause of death for Americans ages 15 to 19.
Thankfully, there are teenage driver discounts available to help you save on your premiums.  This post is dedicated to top 5 premium discounts available to the parents of teenage drivers.
Discount #1: Good Student Discount
Most insurance companies will provide discounts for your student good grades.  The requirements vary, but basically if your child is able to achieve inclusion on the dean’s list or honor roll you may qualify for premium discounts anywhere from 15 to 35 percent.
Discount #2: Defensive Driving Course
Knowing that teenage drivers are at a much higher risk to be involved in an accident, many insurance companies are now either offering their own defensive driving classes or coupons that give you admission into a local class.   These classes have proven to improve teens’ driving, and they will also qualify you for an additional 5 to 15 percent discount on your premiums.
Discount #3: Distant Student Discount
If you have a child who has moved away from home to go to school, then you may be eligible for another discount on your premiums.   Some insurance companies will decrease your auto insurance premiums if your child has moved a certain distance away from home (usually 100 miles) and is attending school without his or her own vehicle.
While the discount is nice, we recommending working with your agent to review the details of this discount.   Some insurance companies will actually remove and exclude your child from the policy, which can create a serious risk if they temporarily come home and use one of the vehicles in the house.
Discount #4: Driving an Older Vehicle
Buying your child a used vehicle will typically result in lower premiums than new vehicle.   In evaluating a vehicle for your child, it’s also important to pay attention to the safety features provided by the vehicle.   While the older vehicle have cost less to insure, a slightly newer vehicle may come with safety features that will do a better job of protecting your child in the event of an accident.
Discount #5: Take Advantage of Technology
One of the ways that insurance companies are helping keep teen drivers safe is by providing electronic devices that actually monitor their driving habits.   For some companies it is a device that is installed on the dashboard while for others it is simply installed into the power outlet in the vehicle.
The device then monitors the drivers habits and creates a report that families can monitor.  The report will typically show how many miles the car is driven, how fast it’s driven, and how often the brakes are applied hard.
For drivers that drive safely with the monitoring device, they can qualify up to an additional 30 percent discount in their premiums.
If you would like to find out more about how these discounts can help save money on your teen drivers please feel free to give our office a call.
 
 


If you are looking for the best auto insurance quotes in Arvada, CO, then The Holste Agency is your choice.   Our team of expert agents can provide you with multiple money-saving auto insurance quotes from a variety of insurance companies.   We will work with you to individually assess your risks and determine which insurance coverages for you and your family  will be the best choice.
By partnering with The Holste Agency, you will also ensure all of your insurance questions, concerns and claims issues will be handled by a friendly, knowledgeable staff that is eager to assist you.
Additionally, The Holste Agency will help all Arvada residents find and take advantage of multiple little-known insurance discounts that will ensure you are paying more on your insurance premiums than you have to.
If you have an insurance question or you would like a free quote, please contact our office or visit our ‘Get a Quote‘ page.