Selecting the right independent insurance agent to take care of your insurance needs should not be an “eeny, meeny, miny, moe” decision. You are looking for a long-term relationship with someone you can trust. You wouldn’t buy a car without shopping around, and you shouldn’t select an independent agent without doing some research too. So what should you look for?

1. Know the Difference between Independent Agents and other Insurance Agents

An independent agent may be a small-business owner who represents ...

Low-cost auto insurance quotes capture your attention, but will the online insurance company be there for you when your car meets a tree late at night? To get the lowest rate, you may have just the minimum level of liability protection required in Colorado. That may lower your premium, but your coverage may not be enough to pay damages after a car accident.

Your liability insurance is what pays if you cause a car accident and someone is injured. Let’s say ...

It’s shocking how fast your home can become an insurance claim. Heavy rains, hail and tornados rarely provide much advance warning. If storm damage hits your home, the insurance company may not pay for your belongings if you can’t prove what was lost.

Do yourself a favor and create a home inventory. Simply shoot video or photos of everything you own. (Don’t forget your clothes and shoes, which can really add up!) Then, store the photos, data files or videotape in ...

Better be prepared with car insurance before you buy your car and drive it off the lot. But finding the right car insurance coverage is not as easy as 1, 2, 3. There are many parts to the policy and many different types of coverage and limit options. Here are seven tips you can use when considering the car insurance that’s right for you.

1. Know Your State’s Minimum Required Limits for Auto Insurance

In most states you are required ...