| Reducing your Premiums |
Through recent press you may know that homeowner and auto insurance rates are increasing across the country. In part this is due to: |
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Skyrocketing building and replacement costs |
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Catastrophic events such as hail inflicting more than $80MM in damage a year |
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Higher incidence of claims - the average homeowner makes a claim every two to three years instead of the historical seven years |
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Colorado's auto rates have also been affected by the state's increase in medical costs - more than 50% since 2001. Additionally, Colorado has one of the highest rates of uninsured motorists in the U.S., estimated to be between 12% and 22%.
Colorado Farm Bureau Insurance is taking proactive measures to keep our customers' premiums as low as possible. We constantly review our customers' policies and provide discounts based on good driving records, home security features, multi-service purchases (home and auto) and customer tenure.
Our agents help customers assess if their deductibles could be increased, coverage amounts modified and how to qualify for any of our many discounts.
Learn what you can do to help reduce your premiums.
Learn how to protect your property against natural disasters. |
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Tips on how to reduce your premiums |
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Increase your deductible |
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Reevaluate coverage amounts and items insured |
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Maintain a good driving record |
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Install a home security system that reports to a central monitoring station |
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Install home dead bolts, window locks, smoke detectors and interior sprinkler system |
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Install a fire alarm that automatically alerts local fire dept |
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Preventative measures to protect your property |
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Keep your home or property in good repair - from the roof to the basement, inside and outside |
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Check water supply lines to sinks, washing machines, etc. at least once a year and replace them if there is any evidence of deterioration |
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Help prevent fires by trimming back trees and brush, keep flammables away from open flames and pilot lights and replace appliances with worn cords |
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| Ask your agent if you qualify for these discounts |
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Multi-vehicle |
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Multi-product |
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Good student |
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Driver education |
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Loyal customer |
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Adult at home |
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Age of dwelling |
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Multi-Car: 2 or more vehicles |
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Driver training 55+ |
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Save money with our Windshield Replacement Savings Program.
When you call us for a windshield replacement, we refer to Lynx, a nationwide windshield quoting system and provide you with the price and windshield vendor location. Your deductible is applied towards the Lynx quoted price.
However, with this savings program, if you find a lower price from a local establishment, we'll split the savings with you. With just a few phone calls to a few windshield replacement establishments, some customers have realized up to $100 in savings. All you have to do is:
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Call claims at 1-800-315-5998 for the Lynx quoted price |
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Find and forward us a quote for a cash price lower than the Lynx quoted price |
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We'll split the savings with you right down the middle and apply it towards your deductible |
Here is an example:
| Quoted Cash Price |
Savings Split |
You Pay |
| Lynx Price |
$500 |
Total Savings |
$200 |
your policy deductible |
$100 |
| Joe's Auto |
$300 |
50% savings to CFBMIC |
$100 |
50% savings to you |
$100 |
| Total Savings |
$200 |
50% Savings to you |
$100 |
You Pay |
$0 |
You could be just a few phone calls away from $100 savings by calling 1-800-315-5998 today. |
