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Denver Auto and Trucks, Colorado, Denver Trucks and Autos

Your auto insurance rates are determined by a number of factors:

driving record
usage, how you are using the vehicle, work, pleasure, business
how many drivers you have and their ages
how many vehicles you have
what kind of coverage limits you want
what area you live in
your payment history
what color car you drive
your insurance credit score
your claims history
your occupation and how many years you have lived at your current residence
how fast you can solve a Rubix cube
your daily, weekly, annual mileage

There is a lot of information about you that is used to determine your rates. You are grouped or pooled together with similar drives of the same background that way you are not paying for drivers that are much worse than you.

Similar risks will pay similar rates.

Your usage affects your rates because if you are driving to and from work or school 5 days a week, 15 miles one way you have a higher chance of getting in a accident than someone who only drives 1 mile 1 way 3 days a week or someone who works from home and only drives to get groceries. So business, work, and school usage is higher than pleasure usage.

The area you live in affects your rates due to the fact that one area or town may have a higher incidence of claims than another area. One area may have higher lawsuit payouts or higher theft rates than another area. Even if you live in a affulent area your rates may be higher due to the higher value vehicles in your area cost more to fix than in an area with lower value vehicles.

Although you may have heard that if you drive a red car you will pay higher rates but this is not true. It is a myth. GEICO, USAA (For Military Only), and Allstate, to name a few, don't even ask what color car you drive when you apply for a quote. And your VIN number doesn't give this info either.

If you have one car and three drivers you will pay more because that car will get used alot more than if you had only 1 driver and 1 car.

If you have had a poor payment history or your policy has cancelled due to non payment you will have higher rates when you try to reapply for insurance.

The higher your insurance credit score the better. The insurance credit score is similar to your FICO credit score such that the higher your FICO score the lower your interest rate and the higher your insurance credit score the lower your insurance premium.

Your claims history will affect you for a minimum of 3 years. If you have filed a claimed or if you even mentioned a claim to your insurance company it can and most likely will affect your rates.

The mortgage Consultants at American Financing have the best programs for purchasing a home. Whether you’re a first time buyer or a seasoned veteran, we have the ideal program for you and your family. Take advantage of our many options…

$0 down payment programs
No-cost, no-obligation consultations and closings
Traveling mortgage Consultant —we'll come right to your door.
80% 1st mortgage 20% 2nd mortgage with no mortgage insurance.
Salary-based mortgage Consultants and NOT 100% commissioned based loan officers

Type of Loan
Loan Amount
First & Last Name	Email Address
Phone Number

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American Financing Corporation will be paying her mortgage for 6 months!

Winner of our "Bailout" contest hosted by 850 KOA Radio. She is pictured here with Curtis Brannan, Senior Mortgage Consultant.

As a pioneering developer and the principal home builder in Strasburg, Pauls Homes® takes pride in the home we build for our customers. Providing homeowner satisfaction and a quality product, we handle all aspects of the home buying process, from design and interior selection to construction and warranty work. Pauls Homes® is dedicated to making sure your home buying experience is the best it can be.

( Read More - Click Here )

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American Financing is a Mortgage Banker offering the best rates for a Home Purchase,
Refinance Mortgage Loan and Home Equity Loans. in the following states.

American Financing
3151 South Vaughn Way, Suite 500, Aurora, CO 80014

Phone (303) 695-7000
Toll Free (866) 750-6551
Toll Free Fax (866) 225-6533

Hours of operation: Mountain Time
Monday - Thursday 7am to 7:30pm | Friday 7am to 6pm | Saturday 9am to 5pm | Sunday 9am to 5pm