Tips to improve your gas mileage

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Gas mileage is an important factor in any modern car here in the Evergreen, CO area. We at Davidson Insurance Agency have a few steps you can take to make sure that your gas mileage is as efficient as possible. 

Tips to improve your gas mileage

1. Check your tires:

Making sure your tires have the correct tire pressure can significantly improve your gas mileage. According to the Department of Energy, properly inflated tires can improve gas mileage by up to 3.3%. 

2. Drive at a steady speed:

Consistent speeds will help you get more miles out of each gallon of gas. If you drive faster than the speed limit, this will reduce your fuel efficiency so stick to the posted speed limit when possible. 

3. Use cruise control:

Cruise control is a great way to keep consistent speeds while driving long distances. When used correctly, it can help improve your overall gas mileage over time. 

4. Avoid excessive idling:

Sitting in traffic or letting the car idle for too long will waste fuel and reduce your overall gas mileage over time. If you’re going to be stuck in traffic for more than a minute or two, it would be better to turn off your engine and start it back up again once traffic begins moving again. 

5. Remove excess weight:

Carrying around extra cargo puts unnecessary strain on the engine and reduces fuel efficiency, so make sure that only necessary items are in your vehicle at all times when possible. 

Keep Your Auto Insurance Updated

By following these simple tips, you should be able to improve your car’s fuel efficiency and save some money on gas in the process! For more, give us at Davidson Insurance Agency a call today. We proudly serve the Evergreen, CO area and would be happy to help you.

Tailoring Your Umbrella Insurance Coverage to Your Lifestyle

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As a resident of Evergreen, CO, it’s important to ensure you have the right insurance coverage in place to protect your lifestyle and assets. While you may already have several insurance policies in place, such as auto and homeowners insurance, there may still be gaps in your coverage. That’s where umbrella insurance from Davidson Insurance Agency comes in.

What is Umbrella Insurance?

Umbrella insurance provides additional coverage beyond what is offered by your primary insurance policies. It is designed to protect your assets and provide extra liability protection in the event of a lawsuit or other unexpected event. However, not all umbrella insurance policies are created equal. It’s important to work with an experienced insurance agent who can help you tailor your coverage to your specific needs and lifestyle.

Examples of Customized Umbrella Insurance Coverage

Your umbrella insurance policy can be customized to fit your specific lifestyle and needs. For example, if you own a boat or other watercraft, you may want to consider additional liability coverage to protect against accidents or injuries that may occur while boating. If you frequently entertain guests in your home, you may want to consider additional liability coverage to protect against potential accidents or injuries that may occur on your property. We can work with you to determine the appropriate amount of coverage needed to protect your unique lifestyle and assets.

Customizing Your Umbrella Insurance Policy

At Davidson Insurance Agency, we understand that every client has unique insurance needs. That’s why we take a personalized approach to insurance coverage, working closely with clients to assess their risks and tailor their policies accordingly. We can help you customize your umbrella insurance policy by determining the appropriate coverage limits, deductibles, and additional coverage options needed to provide adequate protection for your assets and lifestyle.

Contact us today to learn more about our Evergreen, CO umbrella insurance options and to receive a quote.

How does home insurance protect someone in Colorado?

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Being a property owner in the Evergreen, CO area can be a great option for many people. When you are looking to own a home in this part of the state, getting insurance for it should be a priority. When you are insured with a home insurance plan, it can help to protect you in various ways. 

Cover Your Assets

One of the benefits of investing in a home insurance plan in this part of the state is that it is a great way to cover your assets. When you purchase a home, you will likely be making the largest investment and purchase of your life. An ideal way to ensure this investment is protected is by getting a home insurance policy. When you get this coverage, it will offer support to help repair your home if you incur damage from fire, vandalism, or other covered claims. It will also offer coverage for personal items up to a certain amount. 

Reduce Liability Risks

Your home insurance plan will also help to reduce your liability risks. There are various liability risks that come with owning a home and being found liable for an accident could cause a claim. When you have a home insurance plan, it will provide some liability coverage that can help to mitigate these risks. 

Reach Out To Us!

If you are looking to buy a home and you live in the Evergreen, CO area, you clearly will want to get insurance for it. A great way to ensure you are selecting the right plan for your situation is by calling our professionals with Davidson Insurance Agency. If you do call our team with Davidson Insurance Agency, you can be assured that you will receive proper guidance to assess your needs and options and select your next policy. 

Reasons Auto Insurance Doesn’t Cover Food Delivery or Rideshare

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Food delivery and rideshare companies don’t offer their drivers any insurance coverage. Most don’t even offer them a vehicle; why insure them? Food delivery is different in that food wouldn’t get hurt in an accident and involve the company in legal proceedings. 

Rideshare, on the other hand, involves people who get hurt in traffic accidents. The wise rideshare driver seeks out Davidson Insurance Agency in Evergreen, CO for rideshare insurance as well as commercial insurance for food delivery.

Why Doesn’t Auto Insurance Cover Food Delivery or Rideshare

Since the recent medical unpleasantness, the safe delivery of everything from people to food and medicines to building supplies has soared. This means risk, which means that pizza delivery and Lyft drivers have to pay extra for commercial insurance.

Why Don’t Companies Give Drivers Auto Insurance?

They do, but it only kicks in after the driver’s insurance has been maxed out. The snag to that is the driver is covered on the actual delivery but not while driving to the store to pick up the food. That gap is where the trouble lies. 

Another snag is that delivery driving covers a lot of territories:

    • Delivering filled prescriptions from a pharmacy

    • Delivering groceries or meals for the elderly or the homebound

    • Delivering packages from eBay or Amazon with, for instance, your personal vehicle

    • Delivering legal papers

    • Delivering people to doctors and hospitals using your personal vehicle

In these cases, does this still mean commercial auto insurance is needed? Yes, if the purpose of driving is business and not personal.

We Are Here To Help!

It can be sticky navigating delivery driving. Most drivers get around it by not using a company sign on the vehicle. Davidson Insurance Agency in Evergreen, CO will help you navigate auto insurance if you deliver anything, and we’ll do it painlessly. Drop by the office today or call to learn more about it.

Three things you shouldn’t do when you buy umbrella insurance

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Buying umbrella insurance is one of the best things you can do to achieve complete financial protection. Without umbrella insurance, your assets may be at risk. We can assist you with your umbrella insurance needs in Evergreen, CO at Davidson Insurance Agency. 

The following are three things you shouldn’t do when you buy umbrella insurance

Failing to purchase an adequate amount of umbrella insurance

The amount of coverage you purchase is one of the biggest decisions you make when you buy umbrella insurance. Umbrella insurance is typically sold in increments of $1 million.

Buy enough umbrella insurance coverage to cover the complete value of your net worth for total financial protection. 

Not fully understanding what umbrella insurance covers

Some consumers buy umbrella insurance without really understanding what expenses they’re getting covered. One of the most important things to realize is that umbrella insurance will not cover consumers directly for loss or damages to their own possessions. Instead, umbrella insurance offers coverage for liability expenses. 

Neglecting to update your umbrella insurance policy over time

It’s a good idea to reevaluate your umbrella insurance policy once in a while. You might want to make some changes to your policy including the amount of coverage your policy includes.

If your net worth goes up, it’s best to add on more umbrella insurance coverage. Updating your umbrella insurance once in a while helps to avoid leaving your valuable assets unprotected. 

Give Us A Call

If you’re ready to buy umbrella insurance, get in touch with Davidson Insurance Agency. We provide umbrella insurance policies to consumers in Evergreen, CO and surrounding areas. Call us to get a quote on a policy that will protect your finances. 

Do I Need Home Insurance After Paying Off My Mortgage?

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Congratulations! You’ve finally done it—you’ve paid off your mortgage. But now you may be asking yourself, do I still need home insurance in Evergreen, CO after paying off my mortgage? 

Yes, home insurance is still needed after you have paid off your loan. Davidson Insurance Agency explains why.

The Importance of Home Insurance

Home insurance provides financial protection for you and your family in the event of any major damage to your home or property, such as a fire or natural disaster. Without home insurance, any repairs that need to be made would come out of pocket, which can be financially devastating. It is still important to keep coverage on file to protect yourself from unexpected events.

In addition to protecting your finances, many states also require homeowners insurance for certain reasons. For example, lenders often require proof of homeowners insurance before approving a loan or refinancing an existing loan. This protects the lender from taking on additional risk by extending credit without the security of an insurance policy backing it up.

Types of Coverage You Need

Now that you know why home insurance is necessary, let’s discuss what kind of coverage you need. The most common types of coverage include dwelling coverage and liability coverage. Dwelling coverage covers physical damages caused by natural disasters like fires or floods while liability coverage offers protection against someone getting hurt on your property and covers legal costs associated with a lawsuit if necessary. 

Home insurance should always remain in place even after paying off your mortgage. It’s important to understand what type of coverage you need so that you are properly protected from any potential issues that may arise down the road. More questions? Contact Davidson Insurance Agency in Evergreen, CO today.

What Is Electric Car Insurance and How Can I Get Coverage in Colorado?

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An electric car is a vehicle that runs on electricity instead of gasoline or diesel. Because electric cars are still relatively new and not as common as traditional cars, they may not be covered by your regular insurance policy. It is important for electric car owners who want to get coverage for an electric car to know they may need to purchase a separate electric car insurance policy. Davidson Insurance Agency in Evergreen, CO is here to assist with all related queries.

How Does Electric Car Insurance Compare To Traditional Car Insurance?

Traditional car insurance policies cover accidents, damage to the vehicle, and liability. Electric car insurance policies typically only cover accidents and damage to the vehicle. They may not cover liability if someone is injured in an accident due to your negligence.

What Are Some of the Things Electric Car Drivers Need To Know About Their Coverage?

Some things electric car drivers need to know about their coverage include that they may not be covered for accidents caused by mechanical problems with the car, weather conditions (like rain or snow), and reckless driving.

What Kind of Auto Insurance Covers Electric Cars?

Electric car insurance coverage is different than insurance for gas-powered vehicles. Car insurance quotes for electric vehicles may be slightly higher than car insurance for non-electric, gas-powered vehicles. A licensed insurance agent can explain the difference in coverage for an electric car versus that of gas-powered vehicles that require traditional auto insurance coverage.

Get Electric Car Insurance Today

When you need electric car insurance in Evergreen, CO and surrounding areas, contact Davidson Insurance Agency! A licensed insurance agent at Davidson can explain available coverage options and offer drivers an electric auto insurance quote in Colorado.

Who Needs Umbrella Insurance?

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When you purchase insurance to cover liability at your Evergreen, CO home or business from Davidson Insurance Agency, you might want more coverage than our underwriters allow on a single policy. We don’t leave you in the lurch because we also offer umbrella insurance, a type of secondary insurance that you can add to any primary policy.

The insurance industry defines a primary policy as one that includes liability coverage, so you can add umbrella insurance to a homeowner’s, renter’s, auto, or business/commercial policy. You can not purchase only an umbrella policy.

Who Buys Umbrella Insurance?

Both individuals and groups need umbrella insurance. It offers added coverage in case the individual or organization gets sued. Certain individuals purchase it more often than others.

These individuals include members of the following groups:

  • Residing in a home with a swimming pool or trampoline,
  • Owning ATVs, Seadoos, other small land or watercraft,
  • Owning an exotic vehicle or supercar,
  • Within a decade of retirement or already retired,
  • Volunteering or working in a field that requires one-on-one consultation, such as coaching Little League, Pop Warner football, etc.
  • Serving on a company or non-profit’s board of directors.

That shortlist of rather common items increases the chance of you getting sued and/or a lawsuit wiping out your financial security without insurance. What do we mean?

Example of Umbrella Coverage Need

Let’s say, for example, that you’re 55 years old and own a home with a swimming pool. You regularly hold fundraisers there for your child’s Little League group. At the fundraising party, a child falls into the unattended pool and sustains lasting brain damage. He will require at-home nursing care for the remainder of his life.

Without umbrella insurance, the only coverage you have comes from your home policy, which typically includes liability coverage in the amount of 10 to 20 percent of the value of your home. That’s probably about $50,000 or so and that won’t pay for medical costs, court costs, legal settlement, and attorney fees. The rest comes out of your pocket and may mean emptying your retirement funds. Then you only have 10 to 15 years before retirement to rebuild what you had probably paid into for 33 years.

Get The Right Coverage Today

Umbrella insurance provides significant coverage that kicks in as soon as your main policy pays out its maximum. An umbrella policy costs only a few dollars each month for a half-million- or million-dollar policy. Contact Davidson Insurance Agency serving Evergreen, CO for information about umbrella insurance and to purchase your policy.

Things that home insurance won’t cover

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You buy home insurance to provide peace of mind and, in some cases, because you are required to by your mortgage holder. You may or may not be aware that no home policy covers everything that could possibly go wrong. There are always exclusions. Being aware of them and making the necessary adjustments is vital. At Davidson Insurance Agency in Evergreen, CO, we are independent insurance agents who work for you to find the personalized home insurance policy you desire.

Home Insurance Exclusions

Owner neglect

Your insurance company will hold no unrealistic expectations that you will maintain your home. It is your responsibility as a homeowner. If you neglect the care of your home, your home insurance will not cover the resulting damage. This includes things like termites, mold, rodent damage, and wear and tear. 

Flooding

Floods are one of the most damaging natural disasters and happen in many locations across the United States. Traditional home insurance does not cover flooding. You need to purchase a separate policy through the National Food Insurance Program in order to get the protection you may need. 

Earth Movement

Earth movement is not covered by home insurance either. This includes not only earthquakes but sinkholes and landslides. These are all types of earth movements. In order to be covered, you will need to purchase an endorsement providing this coverage. 

Sewer or sump pump backup

Having your sewer backup into your home is disgusting and not something anyone wants to have to deal with. It is even worse to discover that your home insurance isn’t going to pay for the cleanup and any damage that results. This coverage can be obtained through an addition to your policy at an additional charge. 

Get The Right Coverage For Your Home Today

Contact Davidson Insurance Agency in Evergreen, CO for any home insurance needs you may have. 

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