Articulo de la semana
What is Auto Insurance?

It is an agreement between you and your insurer in which you pay the insurance company a certain amount of money an...

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Each home insurance policy is different, but standard policies usually provide:

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Additional protection for valuables

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AUTO INSURANCE
Auto
Every motorist that drives in Colorado knows that auto insurance is required by state law to operate or even own a non-driven motor vehicle (in most cases).

Insurance is constantly compiled and updated by the Colorado Department of Motor Vehicles (DMV) and is mandatory and verified when registering and obtaining tags for a new vehicle, changing title ownership, etc.

In addition, the DMV has hired a private database firm to run random vehicle VIN #'s and contact the owner if current insurance is not listed in their file.

They mail out a letter to the motorist and require proof within a certain period of time. Noncompliance could result in vehicle registration and drivers license suspension.

Police also require valid proof of insurance when conducting traffic stops or investigating accidents. Fines have increased since a new state law passed 7/1/04 with fines that normally start at $500 and can increase significantly to over a thousand dollars. License and registration suspension or revocation can also be levied by the courts especially for repeat "no proof of insurance" offenders.

But when it comes down to it, many honest, law abiding citizens in Colorado have no idea what auto insurance actually is, what is provides for them or why the state requires it. People ask us, "Why do I need to buy this for my car or truck?"

Insurance is simply a"transfer of risk". The individual or policyholder purchases an insurance policy and pays a relatively small amount of money or premium to an insurance company who accepts their risk and financially protects the policyholder in the event of a covered loss up to the limits of the policy.

The insurance contract is between the policyholder and the insurance company.

The State of Colorado requires a minimum of $25,000 per person bodily injury and $50,000 per occurrence bodily injury and $15,000 property damage coverage per occurrence.

The average person would have a hard time paying $50,000 or even $25,000 to cover the medical care of someone they injured in an auto accident plus the damage to their vehicle.

If someone had to pay that type of bill they could very well lose their home, bank accounts and other assets. That is the financial protection or product that insurance companies provide to their customers in a nutshell.

At Aztec Insurance, we always strive to explain to our clients what they are buying and why they need it. We treat every client as a unique person because everyone has a"one of a kind" situation.

There are a number of factors that are involved in auto insurance such as:

  • Age
  • Sex
  • Marital Status
  • Home Address
  • Homeownership Status
  • License Type
  • Prior Insurance History
  • Driving History
  • Claim History
  • Credit History, etc.
MOTORCYCLES AND ATVs

As a large, experienced, multi-line insurance broker in the Denver area, Aztec insurance is the "Broker that works for YOU".

We represent not just one but multiple top-rated, financially secure companies such as Safeco, AIG, Progressive, Mendota, Bristol West and many more to find you the best product that is customized to your personal needs at the best price we can find in the current market.

We work with you to find a convenient and affordable payment plan for your policy and accept a number of different payment types at all our branches. Our goal is to eventually lower your payments over time by reviewing your policy and current situation and even moving you to a better suited company if necessary.

All of our companies offer 24 hour claim service and many have 24 hour policy service if you need help after our normal business hours.

We want our clients to continue to place their trust and business needs with us and always go "the extra mile" to provide professional customer service, sales and management support.

We have recently added new product lines with new companies to provide protection for your homes, businesses and personal needs such as life, dental and vision. Please check out our other lines that are now available at the main page.

Thanks to all our current clients for your continued support in making our company a success and a big welcome to all our new clients who are looking to make the switch to Aztec Insurance.

Free Personal Aztec Quote

 

SR-22 INSURANCE
MOTORCYCLES AND ATVs

SR-22 is a form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular individual. Required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility, ask to Aztec Insurance for your SR-22. Call to Aztec Insurance or get a free Quote Now.

Free Personal Aztec Quote

COMMERCIAL AUTO / TRUCK
Get a free quotes for commercial vehicle insurance and find the best policy.

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MEXICAN INSURANCE
American agents and brokers selling "Mexico Insurance" in the United States are licensed and bonded by their respective states. Most agencies offer additional insurance policies, or coverages, for a variety of other risks. Mexico is a fun place, and the Mexican people like most Americans and Canadians. But, don't even consider crossing the border with your vehicle without a policy in the glove box. Need more information? Call to Aztec Insurance or get a free Quote Now.

Free Personal Aztec Quote