Auto Insurance | Elkstone Insurance Group, Inc.

Traveler’s IntelliDrive Discount is a great way for responsible and safe drivers to save money on their Auto Policy. You will initially save 10% on your premium just by signing up.

When you sign up, you will need to download the Travelers IntelliDrive application on your phone. The application will track your:

Braking
Acceleration
Speed
Time of Day ( late night driving will negatively impact your score)
Distracted Driving

After 90 days, Travelers will evaluate your data and give you a new rate depending on how well you drove.

When it is time for renewal, you could see your discount raise from 10% to a maximum discount of 30% off of your premium.

For more information, here is Traveler’s website regarding this program
https://www.travelers.com/car-insurance/intellidrive

If you have questions about IntelliDrive and would like to speak to an IntelliDrive specialist, you can call 888-505-1217 between 5am – 8pm MST Monday through Saturday.

Need new insurance or looking for a better rate? Send me an email at service@elkstoneinsurance.com.

UMBI is the coverage on your policy that would pay toward you, family members or passengers in your vehicle if someone else was at-fault in the accident and didn’t have any, or enough BI (Bodily Injury) coverage. Typically the at fault driver should have insurance, but as you know in Denver and Lakewood Colorado, there are many drivers that operate vehicles without insurance or have the state minimum BI limits. Colorado’s State Minimum for BI is only $25,000 per person and if there was more than one passenger, no more than $50,000 per accident. This isn’t enough coverage if you and other passengers were seriously hurt or killed by a driver with this “legal” amount of coverage.

This UMBI coverage would kick-in and pay for you and your passengers’ injuries, pain and suffering, death benefit, loss of income, disability and more if the other at-fault driver had little or no BI coverage. In Colorado you can’t have more UMBI coverage than you have BI coverage but you can have the same amount. So good insurance agents make sure people have the same amount of coverage for both BI and UMBI. Be wary of agents that don’t include this UMBI coverage on your quote or policy to try to cut the price of the total premium unless you request not to have UMBI. UMBI coverage can be easily overlooked as it a policy coverage (not assigned to any particular vehicle) and is shown as a separate line item premium on the policy. UMBI’s premium is added with the total premiums from each vehicle to make up the total auto policy premium.

The description of the UMBI coverage above is just a general description of that coverage. Refer to your insurance policy to see what your UMBI covers. Elkstone Insurance Group, Inc. offer insurance from several insurance companies in Colorado. If you would like a free review of your Colorado auto and homeowners insurance coverage, call Independent Insurance Agent Martin Sajbel of Elkstone Insurance Group, Inc. at 303-716-0970.