Insurance Fact and Fiction: What Type of Coverage Do You Need?

By: Eric Erickson Tuesday December 24, 2013 comments

Insurance exists so that we dont have to think about it. We dont have to worry about risk. We dont have to fear the loss of our home or business in the event of a natural disaster. This type of fearlessness comes with a cost, and part of that cost is finding the right policies for your life. Many types of liability coverage are required by law, such as auto liability insurance and commercial insurance. Other types of coverage are optional, but required as a condition of your loan agreement. But how do you know which types of insurance you ... Read More


Fill the Gap with Good Coverage: Facts and Myths About Gap Insurance?

By: Eric Erickson Thursday December 19, 2013 comments

For many drivers, finding the most affordable insurance coverage is the main objective. No one wants to pay good money after bad to pay for something they hope they will never use. However, when you decide to finance an automobile with a loan that you will need to be able to live for several years, additional insurance coverage becomes a primary concern. Collision coverage is usually required for any car that you finance, and many drivers choose to add comprehensive coverage, but your auto dealer or insurance agent may offer you something... Read More


5 Reasons Why Driving Without Insurance is a Bad Idea

By: Eric Erickson Friday December 6, 2013 comments

During the busy holiday season, the little things can fall through the cracks. Everybody forgets things now and then: misplaced car keys, directions to your aunt Ednas house. Dont let forgetfulness turn into a lapse in your auto liability coverage. In the state of Colorado, car insurance is mandatory, and the legal and financial consequences of driving without coverage can be grave. Especially when one phone call to Insurance By Phone can put you in touch with an independent agent that can establish an affordable policy for you today. ... Read More


Buy Now, Save Later: The History of Risk and Insurance

By: Eric Erickson Thursday December 5, 2013 comments

It is likely that you will one day ask yourself: Why do I need insurance? It can certainly seem like insurance premiums eat way at your income without providing anything in return. The reality is that some form or another of risk sharing has been around for centuries. We often take for granted that so many aspects of our lives, while primarily safe and trouble-free, are subject to risks that can threaten to destroy our financial wellbeing. Whether it is our home, our automobile, or our small business, few of us can withstand hardships that... Read More


Your Policy in Action: Filing Insurance Claims in Colorado

By: Eric Erickson Sunday December 1, 2013 comments

Selecting the right insurance policy can be a complicated process. Determining deductibles and coverage limits can often seem abstract, as auto, home, and commercial insurance is mandatory. We all want to find the least expensive premiums for our car, home, or business. But, we cant necessarily forecast how and when we will need to put our policy into action. The claims process should be fast and simple. Dont wait for the unpredictable to find out how your insurance policy can work for you. Whether you need to find out how auto claims... Read More


Get the Most Out of Your Coverage: The Insurance Market and You

By: Eric Erickson Friday November 29, 2013 comments

Insurance coverage is more than just a necessary expense. Insurance can by your primary ally when unexpected events threaten your financial security. What if you could find the right insurer for all of your coverage needs, including drivers, homeowners, and commercial coverage that fits your budget and services claims efficiently with limit options that protect you in the event of an accident or emergency? Find the best options among Fort Collins insurers through the help of an independent policy agent that benefits from helping you save money... Read More


8 Ways to Find Cheaper Car Insurance

By: Eric Erickson Sunday November 17, 2013 comments

In the state of Colorado, auto insurance is the law. If you operate a motor vehicle, you are required to carry a minimum amount of liability coverage. That means that your insurance carrier will pay at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 per accident for property damage. You can choose to cover yourself beyond these requirements, and lenders will require you to add additional collision and/or comprehensive coverage. Your Fort Collins insurance agent can help you determine which type... Read More


Eliminate the Sales Pitch: Auto Insurance that fits your Life

By: Eric Erickson Wednesday November 13, 2013 comments

Every day, we are inundated with deals and offers that promise the best auto insurance rates around. Talk is cheap, but choosing the wrong car insurance can be very expensive. In Fort Collins, you need insurance that fits your budget and rewards your safe driving. Dont wade through the sea of sale pitches, Insurance By Phone can be your independent insurance agent. They find the best policy for you based on your individual needs. Comprehensive, Liability, SR 22 and More The state of Colorado requires anyone operating an automobile to... Read More


Easy, Fast, and Convenient: Get Insured with One Phone Call

By: Eric Erickson Wednesday November 6, 2013 comments

Navigating the auto, life, residential, and commercial insurance landscape can be incredibly treacherous. How do you make sense of varying premiums, deductibles and coverage limitations? Fort Collins area insurance customers have known the ease, convenience, and speed of insuring their car, home, and business with one single phone call for over two decades. Why waste time searching through dozens of liability plans to find the cheapest price, the folks at Insurance By Phone can help find you the best, and the cheapest, insurance, and provide... Read More



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