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Centennial Today
By the People, for the People
Auto Insurance Expert Breaks Down Common Coverage Mistakes
K.D. "The Insurance Queen" Sakraida of Centennial shares insights on misunderstood auto insurance policies.
Published on Feb. 10, 2026
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A HelloNation article explores common misconceptions about auto insurance coverage that can leave drivers vulnerable to financial risk. The piece features insights from Auto Insurance Expert K.D. "The Insurance Queen" Sakraida of Centennial, Colorado, who advocates for regular policy reviews and understanding coverage options beyond just comparing prices.
Why it matters
Understanding auto insurance coverage is crucial to ensuring drivers are adequately protected, especially when it comes to liability limits, deductibles, and coverage for uninsured motorists. This article aims to educate consumers on common oversights that could result in costly surprises down the road.
The details
The article notes that many drivers choose insurance policies solely based on price, without fully understanding the trade-offs involved. It explores key misunderstandings, such as how liability limits function, the importance of uninsured motorist coverage, and the differences between collision and comprehensive coverage. The article also stresses the value of regular policy reviews to ensure coverage still fits the policyholder's current situation.
- The HelloNation article was published on February 10, 2026.
The players
K.D. "The Insurance Queen" Sakraida
An auto insurance expert and agency owner based in Centennial, Colorado, who is featured in the HelloNation article providing insights on common coverage mistakes.
HelloNation
A premier media platform that connects readers with trusted professionals and businesses across various industries, publishing the article featuring K.D. Sakraida.
What they’re saying
“Many people rely on state minimums, assuming they are enough. But the article notes that medical expenses, vehicle repairs, and legal costs often exceed the minimums, resulting in high out-of-pocket costs.”
— K.D. Sakraida, Auto Insurance Expert (HelloNation)
The takeaway
This article highlights the importance of understanding auto insurance coverage beyond just the monthly premium. By reviewing policy details, evaluating liability limits, and considering additional coverage options like uninsured motorist protection, drivers can ensure they are adequately protected in the event of an accident or incident.
