Just like mortgage companies, insurance companies use a score system to evaluate your risk level and determine how high your premium will be for ALL lines of insurance. We're talking health, life, commercial, auto, home...ALL of it!
Here in Colorado, insurance companies receive their information from the Comprehensive Loss Underwriting Exchange. You may have heard your agent refer to something called a CLUE report, this is what they're talking about.
Some items your CLUE report tracks are:
If you're curious about what's on your score, you may receive a FREE copy of your CLUE report by calling the analytics company, Verisk at: 800-627-3487.
Is it worth obtaining your report? I think so. If your premiums are high and you haven't turned in any claims, you have a stellar driving record, and a great credit score, it could be worth looking into. Just like credit reports, insurance reports can have errors in them. If find that yours does, you may dispute them with Lexis Nexis at:
As always, if you have any questions feel free to reach out to the agents at Front Range Insurance Solutions, we love to help our community better understand how insurance can work for them!
Ugh! Car problems. Add in cold weather and you’ve got yourself a rough day. But, it’s nothing you can’t handle!
Check out these expert tips from RepairPal.com to troubleshoot why your car won’t start in cold weather.
1. Try to start your car and listen for the engine cranking
Potential Problem: Your fueling system
When you try to start your car, do you hear your engine cranking? You may have a fueling issue.
You may be thinking, “There’s no way it’s cold enough to freeze my gas.” While that may be true, parts of your fueling system can be affected by the cold long before your gas freezes.
For example, your fuel pump relies on pressure from the gasoline in your tank to function properly. If you have low levels of gas in your tank, the cold weather may have perpetuated the problem, causing your fuel pump to fail.
Things to try:
Read more: Car Insurance and Rental Cars: Everything You Need to Know
2. Try to start your car and listen for clicking or a low buzzing noise
Do you hear the starter trying harder than normal or not starting at all?
This usually sounds like “click, click, click” or, if it’s not starting at all, it may sound like a low buzz (an "errr” sound).
Potential problems: Your battery, alternator, or starter system
It may be too cold for your battery to start. Or, you may need to consider the age and condition of your battery. Most batteries shouldn’t be older than three to five years.
Another consideration is your battery’s cold cranking amps (CCA) rating and if it’s right for your vehicle and the climate you live in. Your dealer or local auto parts store will know what CCA rating your vehicle manufacturer recommends.
Things to try:
Read more: You Just Got Into a Car Accident. Now What?
3. Determine when you got your last oil change
Potential problem: Your engine oil
Oil tends to get thicker when it’s cold, which makes it hard for it to do its job. Some engine oils are specific for warmer weather. So, if you haven’t had your oil changed in a while, you may have old or ill-suited oil for cold weather trying to get your car running.
Things to try:
How to Troubleshoot Why Your Car Won't Start in the Cold
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