First Insurance Services, Inc.

10/12/2026

08/12/2026

🚗 Have a Teen Driver or Another Licensed Driver Living in Your Home? READ THIS!

One of the biggest misunderstandings we see with auto insurance is:

“They’re not on my policy, but insurance follows the vehicle, so they’re still covered if they drive it.”

⚠️ That is NOT something you should assume!

If you have a teenager or any person of driving age living in your household, your insurance company needs to know about them. Depending on the company and situation, they may need to be listed, rated, or excluded from your policy.

That can include:

• Your teenage children
• Adult children living at home
• A boyfriend, girlfriend, or spouse
• Roommates
• Other relatives living with you
• Anyone else in the household who has access to your vehicles

Simply leaving someone off the policy does not mean you can let them regularly drive your vehicle and expect your insurance company to cover an accident.

So when CAN someone who isn’t on your policy drive your vehicle?

Generally, permissive use is intended for an occasional driver who does NOT live in your household and is temporarily borrowing your vehicle. Think of letting a friend or family member borrow your car once in a while, not someone who lives with you and regularly has access to it.

If someone lives in your household but will never drive your vehicles, some insurance companies may allow them to be listed as an excluded driver. That means exactly what it sounds like: they are NOT covered to drive the vehicle.

🚨 And this is especially important with teenagers!

As soon as your teen reaches driving age, gets a permit, or becomes licensed, CALL YOUR AGENT. Don’t wait until after there’s an accident to find out they should have been disclosed to the insurance company.

Every insurance company has different rules, so when your household changes, let us know. We’d much rather answer the question now than have you discover a coverage problem after a claim.

❤️ Your local La Junta insurance agent
Tabitha Reeves

08/12/2026

📣 Seeing Facebook ads about “Senior Insurance Discounts”? Let’s clear something up!

We’ve had several people reach out after seeing advertisements claiming that seniors can receive a special discount on their home and auto insurance.

Here’s what we want our customers to know:

There is not a universal “senior discount” that we can simply add to your policy once you reach a certain age.

Your age is already one of the many factors an insurance company may use when determining your rate. Depending on the company and type of policy, rating factors can include things like:

• Age
• Driving history
• Claims history
• Location
• Vehicle type and usage
• Coverage and deductibles
• Insurance score(this is based on your credit score and insurance history)
• And many other factors

That last one surprises a lot of people! Your credit plays a role in your home and auto insurance rates with many insurance companies. It’s one of several pieces of information a company may use when calculating your individual rate.

Some companies may offer specific discounts, such as completing an approved mature driver or defensive driving course, but that is different from receiving a discount simply because you’ve reached a certain age.

Many of the Facebook ads you’re seeing are designed to get you to request a quote or provide your information. They can make it sound like there is a special “senior discount” you’re missing out on, when that simply may not be the case.

If you ever see an insurance advertisement and wonder, “Does this apply to me?” please give us a call! We’re always happy to review your policy and make sure you’re receiving the discounts your insurance company offers that you qualify for.

Thank you for trusting your local La Junta insurance agent! ❤️
Tabitha Reeves

08/01/2026

We’re out at Early Settlers Day today! 🎉

Come by the First Insurance Services booth, say hi, grab some giveaways, and visit with our team. We hope to see you there! 😊

06/19/2026

🏡 When it comes to home insurance, don’t overlook what’s outside your front door. Your detached garage, shed or fence may need protection. Travelers can help you understand your options. Learn more at https://travl.rs/4v1tvni.

06/19/2026

For the first time in a while, we finally have some good news to share!

After several years of rising homeowners insurance rates, we’re starting to see positive changes. Many companies are introducing lower rates, and more carriers are once again writing new home insurance policies in Colorado.

If you’ve been putting off shopping for insurance because of the market, now may be a great time to take another look.

Looking to bundle your home and auto insurance? Give us a call! We work with several different companies and would be happy to compare options to help you find the coverage that best fits your needs and budget.

Already insured with us? We’d still love to hear from you! Give us a call or stop by so we can review your current policies and make sure you still have the best combination of rates and coverage for your situation.

📍 Lamar: 719-691-6200
📍 Las Animas: 719-456-2303
📍 La Junta: 719-363-1125

Or stop by one of our locations. We’d be happy to help!

Rates, discounts, and eligibility vary by company and individual circumstances. Coverage options and savings are subject to underwriting guidelines and qualifications.

05/06/2026

9th Annual Larry D Eberhardt Memorial Scholarship

Being raised on a farm, Larry paved his way into an agricultural lifestyle. He was a member of the Future Farmers of America (FFA), receiving his Star Greenhand Award. He also worked at a local farm in Lamar as his summer job. Larry attended college receiving a diesel mechanic’s degree; from there he worked for Romer Young/John Deere and then bought his own diesel shop.

Having been a member of Lamar Masonic Lodge #90; Larry was required to learn about their fraternity and earn a series of Masonic degrees. Once he completed the 32nd degree, he became a Master Mason and then became a Shriner. Larry was a strong advocate for the Shriners Children’s Hospitals; helping families receive operations for their children. He also played a large part in bringing the Shrine Circus to Lamar during Memorial Day Weekend.

In 1995, Larry became a Crop Insurance Agent serving farmers and ranchers of Southeast Colorado. He was a strong advocate for all the local Agricultural Producers concerning Crop Insurance issues. Larry’s integrity made him well respected by the insurance companies as well as the officials of the Federal Crop Insurance Corp.

Larry’s love for sports was very much noticeable in his presence at a wrestling tournament or baseball game, football or track, volleyball, or basketball. Larry loved any sport that his grandkids were involved in and never missed watching them.

Keiton Chavira, daughter of Keith & Tonya Chavira, is a graduate of Lamar High School, and the recipient of the 9th Annual Larry D Eberhardt Memorial Scholarship. Congratulations Keiton!

03/11/2026

☀️ Going to Mexico for Spring Break?

Your U.S. auto insurance does NOT cover you in Mexico.

🚗 We offer temporary Mexico Auto Insurance!
Stop by our one of our offices for a quick quote before your trip.

Safe travels start with the right coverage.