Category: Auto Insurance

At Davidson Insurance Agency in Evergreen CO, we love eliminating the guesswork in insurance jargon. We want our customers to make informed decisions concerning their coverage options to protect themselves, their families, and their vehicles.

Most of you have heard the terms liability, collision, and comprehensive coverages when discussing car insurance, but what do each of those terms mean?

Liability

When you have liability insurance on your car, you have coverage that pays out if you are found liable for causing an accident. Liability pays for injuries and property damage of others when you are at fault, up to your coverage limits. However, it doesn’t cover any medical expenses for you or your passengers or repairs to your vehicle. You could say liability insurance is coverage you carry for the other person. So, when the other vehicle’s driver is responsible for your injuries and damage to your car, their liability would cover your medical and repair costs up to their liability limits.

Colorado law requires that you have minimum liability coverage on your car to legally operate a motor vehicle in the state.

Collision

Collision coverage allows you to repair your vehicle after an accident in which you collided with another car or object (like a tree or building) or run off the road and crash. With collision, there is typically a deductible that you pay before the insurance will cover any repairs. Your friendly agents at Davidson Insurance Agency in Evergreen, CO can discuss deductible options and premium amounts that best fit your situation and budget.

Comprehensive

When you have comprehensive coverage, referred to as “other than collision coverage,” you have insurance to financially cover your vehicle repairs when the unthinkable happens due to fire, flood, theft, hail damage, or a tree falling on your car. Comprehensive coverage covers almost every circumstance unless otherwise listed in the policy’s conditions. Like collision coverage, you must pay a deductible before the insurance policy pays for the rest of your vehicle repairs.

For More Information

To discuss your coverage options in-depth and determine what best suits your unique situation, call Davidson Insurance Agency in Evergreen, CO, at 303-674-3325 to speak to a licensed agent.

Auto insurance enhances community resilience by providing financial protection, promoting safety, and supporting recovery after accidents, natural disasters, and emergencies. From coverage for vehicle damage to liability protection for individuals and businesses, auto insurance strengthens communities. It ensures they can withstand and recover from adverse events in and around the Evergreen, CO area.

Liability Protection for Individuals and Businesses in the Community

Liability protects drivers, passengers, pedestrians, and businesses from legal liabilities concerning injuries and accidents. In a lawsuit or claim, auto insurance provides coverage for legal defense, shielding individuals and companies from financial losses and preserving their assets. This liability protection fosters community members’ sense of security and peace of mind, promoting trust and cooperation within neighborhoods and business districts.

Promoting Safety and Accident Prevention

Auto insurance companies actively promote safety and accident prevention initiatives within communities. Insurance providers empower drivers to make informed decisions and adopt safe driving practices through educational programs, driver training courses, and awareness campaigns. By promoting safe behaviors and reducing the frequency and severity of accidents, auto insurance improves road safety within communities.

Supporting Recovery and Reconstruction Efforts

Auto insurance is critical in supporting recovery and reconstruction efforts after accidents, natural disasters, or emergencies. Insurance helps individuals and businesses recover from vehicle damage, facilitating repairs, replacements, and rebuilding efforts. This support accelerates the recovery process and allows communities to bounce back in the face of adversity.

With the help of insurance companies, those living in the communities can return to assist society with all its needs. This keeps the community united with all individuals.

How Davidson Insurance Agency Can Help You

At Davidson Insurance Agency, we can help answer questions concerning auto insurance. We serve the Evergreen, CO, area. Contact us today for more information. 

Embarking on the scenic roads of Evergreen, CO is a delight, but what happens when unexpected bumps come your way? Beyond traditional coverage, understanding the role of roadside assistance is key to driving with confidence.

The Roadside Safety Net

At Davidson Insurance Agency, our commitment to your safety goes beyond standard coverage. Roadside assistance is your reliable safety net, ensuring you’re never stranded. Whether it’s a flat tire, a dead battery, or any unforeseen hiccup, our assistance service is just a call away, ready to get you back on the road promptly.

Convenience in Every Mile

Imagine the peace of mind knowing that help is just a phone call away, no matter where your adventures take you in Evergreen, CO. Our roadside assistance program is designed to add an extra layer of convenience to your travels. With services ranging from towing and fuel delivery to lockout assistance, we’re here to turn unexpected detours into minor bumps in the road.

Tailored Coverage for Evergreen Residents

Living in Evergreen means embracing the beauty of nature, and your insurance coverage should be as unique as the scenery around you. Davidson Insurance Agency offers personalized plans that take into account your specific needs. Our friendly experts are here to guide you through the intricacies of coverage, ensuring you have the protection you need for every twist and turn.

Ready to hit the road with confidence? Contact Davidson Insurance Agency today to learn more about our comprehensive coverage options and how roadside assistance can be a game-changer in your insurance plan. Call us for a personalized consultation or to obtain a quick estimate. Your worry-free journey begins with us!

Life is full of expenses, and it can sometimes be difficult to figure out which expenses are really necessary.  When you get an auto insurance policy at Davidson Insurance Agency, we explain the requirements and all your options. There are a surprising number of options when choosing your plan. Driving in Evergreen, CO can be unpredictable, and you want to make sure you have a level of protection you’re comfortable with.

What Does Collision Coverage Add to Your Policy?

Minimum coverage only protects you if you are liable in an accident, and the level of protection is usually not very high. Collision coverage adds an important protection that many people mistakenly assume they already have. 

When you only have liability insurance, you don’t have protection for your own vehicle if you are at fault in an accident. Even if your vehicle is totaled, you will be responsible for replacing your vehicle if you decline collision coverage. 

Keep in mind that collision coverage is only for collisions and will not help in other situations such as hail, falling trees, or vandalism.

Get the Protection You Need

When you are making decisions about your auto insurance, you should speak with your agent about your deductible too. It may seem cheaper to get a higher deductible, but you could regret it if there is an accident and you are unable to pay the deductible and get back on the road right away, Protect yourself and your family in Evergreen, CO with auto insurance that meets your needs. If you would like to change your policy or if you just have questions about your current policy, please call Davidson Insurance Agency today.

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.

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.

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.