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It can be easier than you think to put the brakes on high auto
insurance rates as an independent agency, GIA can help! We can
review your policy and possibly help you find a variety of illuminating
ways to save money. Here are some things you may want to consider:
Ask us to check several companies rates. This is the single
most important thing you can do to get the best possible rate and
we can do it for you quickly and easily. The difference between the
highest and lowest rate available to you from different companies
could vary by hundreds of dollars.
Reduce or drop physical damage coverage on an older car. Depending
on your car's age and where you live, comprehensive and collision
coverage may not be worth keeping. We can give you advice on whether
it makes sense to reduce or drop this coverage altogether.
Raise your deductible. According to the Insurance Information
Institute, raising your deductible from $200 to $500 could reduce
your collision and comprehensive cost by 15 to 30 percent. In addition,
because the average driver files a collision claim only once every
ten years, odds are that over the lifetime of your car, a higher
deductible will save you money. We can show you how raising your
deductible will lower your premium.
Look for discounts. Many insurance companies reduce premiums
for certain driver traits or car features. For example: being a homeowner
for more than three years, nonsmoker, nondrinker, students with good
grades, senior citizens who have taken an approved defensive driving
course, people who only drive for pleasure, cars kept in garages,
antilock brakes, antitheft devices, air bags, etc. Ask us to check.
Don't assume having your car and home insured by the same company
is the best option. Because auto insurance rates vary so much from
company to company, it may make sense for you to have your car and
home insured by separate companies. Let's talk about it.
To learn more about all an independent agency can offer you, call
GIA at 1-888-423-3232 ext 100 or visit www.e-gia.com.
Group Insurance Analysts, Inc, and GIA Risk Management, LLC offer the following types of insurance - Health, Life, Auto, Home, Dental, Medicare, Business, Workers Comp, Pet, Disability, Liability and Property, through insurance companies like Progressive Insurance, Safeco, Travelers, Hartford, Anthem, Aetna, Delta Dental, Cigna, Kaiser, Humana, RMHP, UHC, Kaiser Permenente,Blue Cross & Blue Shield of Colorado, Pacific Specialty, United Fire, Pinnacol and many more.
We provide clients insurance needs in Arvada, Denver, Wheat Ridge, Lakewood, Golden, Boulder, Broomfield, Westminster, Brighton, Aurora, Littleton, Englewood, Parker, Northglenn, Thornton, Longmont, Louisville, Lafayette, Superior, Evergreen, Morrison and throughout Colorado.
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