Auto Insurance

Automobile Insurance: Split Limits versus Combined Single Limit

Does your car insurance have split limits or a combined single limit? You probably have split limits. It’s the most common type of automobile insurance coverage. You probably didn’t know that. Or what it means. Let me explain: The state minimum insurance is represented as split limits: $25,000/$50,000/$15,000. The first number represents the most an [...]

By | September 13th, 2018|Auto Insurance, Blog|Comments Off on Automobile Insurance: Split Limits versus Combined Single Limit

Six Ways to Lower Your Car Insurance Rates

Want to lower your car insurance rates? Get married. And raise your credit score. What do marriage and credit scores have to do with car insurance? Except in Massachusetts, Hawaii and California, states allow insurance companies to use credit scores to determine car insurance rates. And insurance companies use credit scores to determine rates because [...]

By | August 21st, 2018|Auto Insurance, Blog|Comments Off on Six Ways to Lower Your Car Insurance Rates

Special Discounts on Car and Home Insurance for First Responders

What do car insurance, home insurance and first responders have in common? One of the things I like best about my job is that I’m able to offer special discounts on car and home insurance to first responders -- those people who often are running toward danger while the rest of us are running from [...]

By | July 17th, 2018|Auto Insurance, Blog|Comments Off on Special Discounts on Car and Home Insurance for First Responders

Uninsured Motorist Insurance: Do You Have Enough?

While driving with your family, you’re rear-ended by an uninsured motorist -- seriously damaging your car, putting you and your family in the hospital and leaving you unable to work. It was the fault of the driver who hit you, but s/he doesn’t have insurance. That means you’ll probably have to pay your own medical [...]

By | March 19th, 2018|Auto Insurance, Blog|0 Comments

Improve Your Driving and Save Money? We have an app for that – Signal.

Would you like to improve your driving -- and save money on your car insurance while doing it? We have an app for that. It’s called Signal. And it works on newer Apple and Android smartphones. Once installed on your phone and registered with us, Signal uses a combination of motion and location sensors to [...]

By | October 13th, 2017|Auto Insurance, Blog|0 Comments

Umbrella Insurance a Good Way to Supplement Homeowner, Car Insurance

  Smart consumers are increasingly supplementing their auto and homeowner’s coverage with relatively inexpensive umbrella insurance policies that provide additional coverage in the event of a major accident. Skyrocketing accident settlements have made umbrella policies, which supplement your auto and homeowner’s insurance, more important than ever to protect your home, your savings, your retirement fund, [...]

By | June 27th, 2017|Auto Insurance|0 Comments

Insurance Prices in Colorado Rising Faster than National Average

The cost of car insurance prices has spiked nationwide over the past year. And, with increases averaging 15 percent yearly, Colorado has been among the hardest hit. In Colorado, auto fatalities increased by 11% in 2016, hitting the highest point in 15 years and greatly outpacing population growth. Nationwide, the spike in auto deaths began in [...]

By | March 16th, 2017|Auto Insurance, Blog|0 Comments

Towing and Roadside Assistance

At the Mike Schmisek Insurance Agency, in Denver, Colorado, we recommend all of our clients carry towing and roadside assistance.  For literally pennies a day, you will feel the safety and security of having someone to help you with your car problems day or night.  Towing and Roadside assistance coverage will not only tow your [...]

By | October 7th, 2016|Auto Insurance, Blog|0 Comments

How a Colorado DUI Will Impact Your Car Insurance

According to recent estimates, a DUI conviction can cost as much as $10,000 in the state of Colorado.  Much of this expense will come from increased insurance costs over the immediate three to five years following a DUI.  If you've been arrested for a DUI, call my office at 303-922-1001. We understand how a DUI can impact your life; both financially [...]

By | October 1st, 2016|Auto Insurance|0 Comments

Should I Buy Rental Car Insurance?

One of the most common questions I receive is whether or not you should purchase auto insurance from the rental car companies.  Any time you rent a car, you're going to get a sales pitch of a lifetime.  You're going to hear all the reasons why you should buy insurance from the rental car company. There are [...]

By | September 20th, 2016|Auto Insurance|0 Comments