Classic car insurance in Wheat Ridge, CO is a chance for you to get the coverage you need for something you cherish. These cars aren’t just a mode of transportation for their owners, they’re a link to history and heritage. If you’re looking for the best possible protection, CO Insurance Specialist wants you to know how classic can insurance can work for you. 

It’s Made for You 

Classic car insurance may offer policies that take into account much more than the value of the car. This means that if you’ve spent a lot of time and effort restoring the vehicle, you can negotiate the value of the car prior to taking out the policy. If it’s destroyed, you’ll be paid for the previously agreed-upon value rather than the actual cash value. 

It’s Reasonable

Classic car insurance is made for people who typically keep their cars in the garage. Because they’re so rarely driven, the policy is typically less than that of a standard car. Those with classic cars typically do everything they can to protect them, and the insurance company professionals know it. 

It Helps to Be Prepared 

Taking out classic car insurance in Wheat Ridge, CO is a great way to keep it safe from water damage, accidents, fires: the list goes on and on. If you have questions about the type of policy that’s right for you, CO Insurance Specialist is here to help. Policies may differ based on the age, type, and condition of the car. Whether it’s undergoing restoration or always kept in an enclosed building, we can help you find the right coverage for you. Give us a call today if you’re looking for insurance that will keep your class car in perfect condition. 

Like thousands of people across the country, you may be hitting the road to visit family or friends for the holidays. Before you go, make sure you have the protection you need by updating your auto insurance. You don’t want to be caught unprepared in the event of an accident. The following coverage from CO Insurance Specialist in Wheat Ridge, CO can protect you, your vehicle and others in the event of an accident. 

Liability

Liability insurance protects the interests of others in accidents you cause. Like most states, Colorado has minimum liability insurance requirements. Minimum coverage, however, won’t be enough to protect you against serious accidents on the road. Holliday traveling increases your risk of an accident due to adverse winter weather and a greater amount of traffic on the road. Ideally, your liability coverage should be sufficient to protect your assets if you were sued for damages due to causing an accident.

Collision 

Collision insurance covers the cost of repairing your vehicle if you crash into another car or object. Many drivers choose not to purchase this optional coverage as it raises premium costs. If you don’t have this coverage, you may want to add it to your policy to protect you against collisions on icy roads during your long-distance holiday travels.  

Comprehensive

Comprehensive insurance is also optional. It protects your vehicle against theft, vandalism, and damage caused by adverse weather. If your vehicle is damaged by winter weather during your trip or stolen at a rest stop, you’ll be glad you had this extra protection to get you through the holidays. Uninsured/underinsured motorist and roadside assist can also come in handy when traveling far from home for the holidays. 

To learn more about car insurance coverage and costs, call or visit CO Insurance Specialist in Wheat Ridge, CO.

Homeowners who are buying their first condo may wonder if the insurance requirements are different when compared to insuring a home. The answer is that they are. Condominiums are different from homes because they may share walls, ceilings, and floors with other condos. They also share the common areas. The insurance risks are shared too.

Master Insurance Policy

When considering condo insurance consult with an agent at CO Insurance Specialist serving Wheat Ridge, CO, and the surrounding area. Be sure to request a copy of any master insurance policy that covers the condominium building and property, so you can share this policy with your insurance agent.

The building owner should be able to provide a copy of this master insurance policy or if there is a management company or a condominium owners’ association (COA), ask them for a copy.

Individual Condo Policy

For adequate coverage, your individual condo insurance policy picks up where the master insurance policy stops. Many types of damage may be covered in part by the master policy, perhaps in part by another condo owner, and perhaps in part by your condo insurance.

A slip and fall accident illustrates one difference between home insurance and condo insurance. For a homeowner, if someone falls anywhere on their property there may be a claim made be made against their home insurance. 

For a condominium owner, if someone falls in the common areas of the condominium property the master insurance policy for the condominium building is the one that may see the claim. If someone falls inside the condo then the individual condo policy may be responsible for the claim.

Summary

To make sure you have adequate condo insurance get an insurance review with the help of your agent at CO Insurance Specialist in Wheat Ridge, CO. Talk about the details and have your agent look for gaps where coverage may be missing.  Be sure to discuss the benefits of having replacement cost coverage and sufficient protection for personal property in your condominium.

If you are storing a classic car in Wheat Ridge, CO, there are some things to keep in mind so your car is ready to go come springtime. Even while your classic car is in the storage for the winter, you want to make sure it’s protected with a policy from CO Insurance Specialist.

Detail the Car: It’s important that the vehicle be clean and dry before being stored. You don’t want to forget the underside to protect the chrome as well. Don’t forget about the inside and the rubber areas so they don’t crack in the cold.

Replace Engine Oil: A car should be stored with fresh, clean oil, even if you recently changed it. The vehicle should be warmed up before you change the oil so contaminants are flushed away.

Lubricate Everything: Oil the trunk, hood, and door hinges to help keep pivot points in check.

Stabilize the Fuel: You will need to add a fuel stabilizer before you store the vehicle. It’s impossible to fully drain the engine so the remaining tiny droplets can be exposed to air and lead to engine problems when springtime comes.

Check the Coolant: Verify the radiator is filled with the right mix of water or coolant or you could have ice in the system.

Prepare the Battery: Run a trickle charger but be sure to always exercise safety when dealing with a battery. Store the battery in an unfrozen place off the ground and not on concrete.

Pay Attention to the Tires: Avoid flat-spotting the tires by having the tires be lifted off the ground, overinflating for storage, or allowing enough room to start the car and move it once a month.

Be Mindful of Rodents: There are plenty of home remedies you can use to make sure rodents won’t disturb the car.

Store in a Safe Location: Be sure your classic car in Wheat Ridge, CO is in a secured facility that is dry and doesn’t have a lot of light. Check windows and doors for watertight seals and security. Visit your car regularly and keep an eye on things.

Contact CO Insurance Specialist to get a quote on classic car insurance. 

When you drive a classic car, you tend to want to give it special care in every way possible. You don’t just take it to any old mechanic. If you can’t find an expert in Wheat Ridge, CO, you’re not above driving your car to the next town over to meet with someone who specializes in classic cars. You don’t just take it to the car wash, you scrub it down by hand and dry it with a chamois to keep it from streaking.

The same goes for your insurance, but here’s what a lot of people don’t know: Classic car insurance tends to be cheaper.

Obviously, there are a lot of factors that play into this. A classic car owner with a bad driving record is going to pay more. A classic car worth six figures is probably going to cost more to insure than a standard vehicle. But classic cars tend to be cheaper to insure, despite their special maintenance needs and value, primarily because classic car owners can be trusted to take excellent care of their cars. Someone who drives a classic Mustang isn’t just getting from point A to point B, their car is their hobby, their passion, they love driving and they’re going to take much better care of their car, on average, than someone driving a 2016 SUV.

Of course, to get a good deal, you need to get covered by an insurer that specializes in classic autos. A standard insurer is likely to treat your classic car like any other. CO Insurance Specialist knows what goes into owning and driving a classic car, and what goes into insuring it, so get in touch and see what we can do for you.