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CO Insurance Specialist

6990 W. 38th Ave. #200
Wheat Ridge, CO 80033

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Safe Driving On Snowy Colorado Roads

Here’s your most important tip for driving on snowy roads in Wheat Ridge, CO: When it’s coming down so hard you can’t see fifty feet in front of you, turn around and go back home if you can.

If you can stay out of the icy, snowy roads, then that’s really for the best, but if that’s not an option, here are some tips:

  • Slow down!

This is especially important in limited visibility.

  • Give yourself twice as much time to brake.

If you’re one of those people that slams on your brakes right at the stop sign, that’s going to send you skidding out into the intersection on an icy Colorado road.

  • Give your car time to warm up.

If you start gunning it the second you turn your key, you’re going to damage frigid, frozen parts that are not ready to be moving just yet. Metal isn’t as hard as it looks, it has a little bit of give to it that makes it flexible and allows it to run safely without fracturing, but it has to warm up for that to work.

  • Do not take unnecessary trips.

Do you really need a Mountain Dew and a bag of potato chips right now, or can it wait until the sun comes out? The less time you spend on the road, the less likely you are to get into an accident.

  • Pack blankets.

You never know when you’re going to wind up stuck on the side of the road waiting for a tow truck. Make sure you have the means to stay warm if the heat goes out.

And of course, make sure that you have adequate insurance. Contact CO Insurance Specialist for free quotes and stay safe.

 

3 Reasons to Review Your Home Insurance Annually

Your home insurance annual review isn’t a ploy to get you to increase your policy. It’s an important component to ensuring that you have enough home insurance at any given moment. The following are on a few of the reasons why you shouldn’t avoid an annual insurance review in Wheat Ridge, CO.

You’ve Gotten Married

Getting married is a big milestone in life. Not only are you showing the world your undying love for another person, you are also living together. Living together is a big deal when it comes to home insurance in Wheat Ridge, CO. By combining your personal belongings, your home insurance policy may not be enough to cover both of your items. If you’ve gotten married, then you should have an annual review to ensure you have enough home insurance coverage.

You’ve Bought More Creature Comforts

Throughout the year, we purchase a lot of things. From new computers to boats to fancy jewelry, we want our lives to reflect our lifestyles. If you are like many people who accumulate a lot of creature comforts throughout the year, then it’s imperative that you get your home insurance policy reviewed. A review can uncover that you need additional specialty insurance as well as more home insurance.

You’ve Renovated

When you renovate, you do so to improve the comfort level in your home. You want to make sure that you can get the most benefit of your home. However, many renovations increase the value of your home. As such, you must make sure that your home’s insurance policy reflects the increase; otherwise, you may have to cover damages to the addition without the help of your insurance company.

Your life changes on a regular basis. To accommodate those changes, it is of the utmost importance that you get your home insurance policy reviewed each year. Contact an agent a CO Insurance Specialist today for a free homeowners quote.

 

 

 

Why It’s Important To Add-On To Home Insurance

Living in Wheat Ridge can be absolutely beautiful. However, you want to take the time to explore add-ons to your home insurance. This will allow you to have more coverage and greater peace of mind throughout the year.

Have More Coverage

Insurance company generally provide minimal coverage on a standard policy. This includes coverage for the dwelling, the belongings, liability, as well as loss of use. However, various add-ons can help to include additional coverage for various scenarios that could occur as well as to provide you with more financial coverage against your belongings and your home.

Avoid Claim Denials

One of the best reasons to spend more money and add onto your homeowner’s insurance policy is to avoid claim denials. The insurance company will only pay for a claim if you have the necessary coverage. Without the coverage, your claim would be denied, and you may have to spend thousands of dollars to make a repair or replacement.

It’s Not a Lot of Additional Money

Many people avoid adding on to their home insurance policy because they assume it’s going to be a lot of extra money. The reality is that it may only be a few extra dollars a month. This can make it a very sensible option to ensure that you are covered against anything that may take place in your home. After all, is going to be more affordable to spend a few dollars a month for additional coverage than to have to spend a significant amount of money out-of-pocket in the event that something does happen and the claim is denied.

Many people add onto a policy, though it’s important to know where you want to add.

To learn more about the various add-ons and to shop for home insurance policies, contact a CO Insurance Specialist today.

 

Should You Hire a Company to do a Home Inventory?

When homeowners in Wheat Ridge, CO review their home insurance coverage, they are often unsure of they have properly accounted to the full value of the items within their home. We all accumulate things over the course of the years, and many items of value are sold, given away or otherwise removed from the home, as well. Having a comprehensive record of the personal possessions within a home can make it easier to file a claim if there is damage or loss. The team at CO Insurance Specialist field numerous questions concerning the best way to create a home inventory.

There are two basic approaches: homeowners can do the inventory themselves, or hire a professional to complete the process on their behalf. Taking the DIY approach requires that homeowners have the time and equipment needed to create the inventory. Many people choose to use a video camera or digital camera to record images of specific items of value, such as artwork, jewelry or major appliances and electronics. It is also important to scan any receipts or other documents. A list of model and serial numbers, manufacturer names and the initial purchase costs are also great details to include.

In terms of using a professional company to create a home inventory, the primary benefits lie in the time saved, as well as the peace of mind that comes with handing the task off to trained professionals. Once the process is complete, the homeowner is given a digital file, disk or other storage option that contains the full inventory. This convenience may come at a cost, but the expense could be well worth it in the event that a sizable claim must be made.

Please feel free to contact an agent with CO Insurance Specialist in Wheat Ridge with any additional questions about the value of a home inventory.

3 Reasons to Purchase Auto Insurance in Colorado

For motorists who reside within the state of Colorado, obtaining quality auto insurance coverage should be a top priority. Regardless of skill level or even the value of your vehicle, every motorist should always maintain auto insurance coverage. For those who are of the belief that auto insurance isn’t a vital component of operating a functional vehicle, keep reading. 

Colorado State Law 

First and foremost, obtaining sufficient auto insurance coverage is literally the law. In order to operate a vehicle within the state of Colorado, you must have coverage that complies with state regulations. No matter if you select the bare minimum or opt for full coverage, you must have some sort of coverage to legally operate your vehicle. 

Protection against Natural Disasters 

Moreover, a state routinely stricken by tornadoes, flooding, and more, acquiring quality auto insurance can help protect your car in the event that sustains sizable damages due to unforeseen/ uncontrollable weather events. Rather than leaving it to chance, by acquiring quality auto coverage, you will ensure that your car is protected against even the most horrific of circumstances.

Avoid Lawsuits

Lastly, without sufficient auto insurance, you could end up on the receiving end of a costly lawsuit. By acquiring quality coverage, you are protecting your vehicle against costs incurred due to accidents. Without sufficient coverage, individuals or businesses will be able to come after you and your assets directly. 

Overall, for those seeking quality auto coverage in Wheat Ridge, CO Insurance Specialist is the way to go. Offering friendly service, quick quotes, and discounted prices, contact us today to find out how you can begin your auto policy today! 

CO Insurance Specialist offers Commercial Insurance

Commercial insurance is important in protecting your business investment. Whether you operate a retail business or offer other services to your community, your business needs insurance coverage specific to your area. Contact CO Insurance Specialist for information and quotes. We understand your commercial business is your livelihood, and we can help you obtain the commercial insurance coverage to keep it going in case of disaster.

Disasters can strike from out of the blue. The damages are expensive to repair, business services can be interrupted for an indeterminate amount of time, and revenue can be severely impacted. You can reduce much of the stress associated with such events by considering your options now. It pays to plan ahead. Be prepared for the unthinkable so that you can have greater peace of mind. Contact our independent agents at CO Insurance Specialist and we will research multiple insurance providers to find the best rates for the most solid coverage that will work for your specific commercial insurance needs.

While the state of Colorado regulates insurance and sets minimum insurance coverage limits, this may not be enough to help you recover from an unfortunate incident. Perhaps minimum insurance coverage works for you: we can help you with that. Perhaps you’d prefer more extensive commercial insurance coverage: we can do that as well. We’ll provide current information so you can see what your options are. We’ll help you determine the specific needs of your commercial business, and then we’ll show you what rates are available at this time. No mater what quotes we find for you, they’ll be the best available and they may even be better than what you already have now. Contact CO Insurance Specialist for a discussion that may save you money.

 

How to Find the Best Used Family Vehicles

Perhaps you need to replace an aging family vehicle that frequently needs expensive repairs. On the other hand, maybe you’ve recently started a family and need a larger car. These tips can help you find a dependable yet affordable used auto in Colorado:

1. Make a list of important considerations and take notes about individual vehicles. Remember to test lights, inspect tires and check for signs of odometer fraud, such as misaligned digits.

2. Think about buying a certified pre-owned car from a dealership. These vehicles include long-term warranties and undergo extra inspections. They cost somewhat more than typical used autos, but your family will appreciate their reliability.

3. If you’re interested in a certain car, write down its VIN and check for any safety recalls that have yet to be addressed. You may do this by calling the National Highway Traffic Safety Administration or visiting their website.

4. Kids benefit from child-specific safety features. Check used autos for anti-pinch windows, automatic door locks and air bags that you can switch off. Children up to 12 years old shouldn’t sit in the front passenger seat if it has an active air bag.

5. Pay a trusted mechanic to thoroughly examine a family vehicle before you buy it. Don’t purchase an automobile from a seller who refuses to let you do this.

6. Take the time to find out how much it costs to maintain and operate a specific vehicle. Look up the model’s average fuel, tire, repair and insurance expenses.

After you buy a family car, Colorado law requires you to obtain auto insurance. Drivers in the Centennial State can benefit from comparing their options with CO Insurance Specialist. To review your current policy or sign up for new coverage with an agent at our Wheat Ridge office.
 

What to Expect With Your Auto Insurance After a DUI

Everyone knows that you should not drive drunk. However, people are human and we all make mistakes. If you find yourself charged with a DUI, there are many costs and fines you may incur. But what you may not know is that you may experience changes in your car insurance. Here is what you should expect to happen to your auto insurance policy after getting a DUI.

Possible Cancelation

Many insurance companies will cancel your auto insurance policy outright if you are charged with and/or convicted of a driving under the influence charge. This is because they don’t want to be responsible for your possibly doing it again. If your policy is canceled, it is important to find a new policy quickly, so that you aren’t driving around uninsured or have a lapse in coverage.

Drastic Price Increase

If your insurance policy is not canceled, or you are shopping around for a new one, you will notice a drastic price increase in your insurance. This is because you are now a huge liability. And unfortunately, it can stay on your driving record for seven years in Colorado. This means that your premiums will be high for many years to come. Taking the time to compare prices will help you get the best possible rate out there, even with a DUI.

Were you charged with a DUI? Are you looking for a new auto insurance policy in the greater Wheatridge, CO area? If so, give CO Insurance Specialist a buzz today. We can help you get insurance or price out new insurance policies to ensure you are still paying a fair and reasonable price.

Get Your Wheat Ridge, CO Home Ready for Fall!

Getting your home ready for fall includes several tasks, many of which you can handle yourself.  This time of preparation not only gets your home ready for the fall season but also prepares it for the coming winter weather.  These steps not only protect your most valuable asset but also your family.

·Home Heating System:  Have your home’s heating system checked annually by a professional to ensure that it is ready for the fall and winter seasons.  They will be able to detect and perform any needed maintenance.

·Seal Any Gaps:  Inspect your home for any gaps or leaks, particularly about doors, windows and incoming pipes.  Seal them with caulk, weather stripping or insulation to keep your home warm and operating efficiently during the colder months of the year.  Sealing gaps in your home can also reduce your energy costs.

·Wrap Exterior Pipes:  Ensure that exterior pipes are protected from freezing during the fall and winter season.  This step can prevent the pipes from freezing and flooding basement areas.   Also ensure that you understand how to shut off your water valve.

·Smoke Detectors and Carbon Monoxide Monitors:  Check the batteries to ensure that these systems are operating properly. 

·Gutters:  Take the time to inspect and clear your gutters and down spouts.  These are designed to protect the home’s exterior and foundation by channeling water away from the house.  Consider installing mesh guards to prevent debris from building up in the future.

Perhaps the most overlooked part of preparing the home for the fall season is an annual review of your home insurance policy.  You can compare coverage options online at CO Insurance Specialist serving Wheat Ridge, CO. Then give the CO Insurance Specialist professionals a call or visit today!

Steps to Find the Wheat Ridge, CO Auto Insurance for Your Needs

Auto Insurance is something that most people need.  It is even required in many states. However, many people have a hard time deciding on the right auto insurance policy and even more make the mistake of choosing the right company for their insurance needs. It can cause a lot of issues if care is not taken during this initial process. Before signing up for a Wheat Ridge, CO auto insurance policy, use these tips to make sure you get exactly what you need.

  • Do not just purchase the lowest priced policy. When it comes to auto policies, cheaper is not usually better. You pay for it in the long run because you will likely have gaps in coverage or you will have to deal with terrible customer service, which is not fun when you have an accident to pay for.
  • Take a look at the online reviews for the company. The company reviews are just as important as the policy coverage. You should look at recent reviews from recent or current customers to see how they help their customers and if they are easy to work with. There is no better way to ensure you are going with a great carrier.
  • Make sure you take a look at the fine print. Examine the policy to ensure the coverage you want is included with what you were quoted. The last thing you want to find is a gap in coverage that you did not know was there. Taking the time to review this before purchasing is very important.

For more information about auto policies or to have us take a look at your current policy, contact us at CO Insurance Specialist today. We will even be happy to generate a new auto insurance quote for you.

Insurance Partners
  • Allied
  • Auto Owners
  • Bristol West
  • CNA
  • Hagerty
  • Hartford
  • Infinity
  • Progressive
  • Safeco
  • Secura
  • State Auto
  • Travelers