Driving is a fact of modern life for most Americans. Cars get people from A to Z and everywhere in between. That said, vehicles move fast and are heavy. As such, car accidents can be severe, and safety is a must. We’ll provide some safety tips below. One crucial safety tip that should be mentioned upfront is that you need the right auto insurance policy. If you are looking for auto insurance in Wheat Ridge, CO, contact the CO Insurance Specialist.

Making Driving Safer With the Right Practices

First, families need to keep an eye on their cars. You should check the tires regularly to ensure they are correctly inflated and in good condition. Also, make sure brake lights, headlights, and turn signals are working. Before hitting the road, it’s also a good idea to know the weather. Rain, snow, ice, high winds, flooding, and other weather factors can increase risks.

Distracted driving has become a significant cause of car accidents in Colorado and across the United States. Don’t text and drive, and don’t get distracted by the radio, either. If you get in a car accident, you’ll surely regret it.

It’s crucial to follow the law as well. Know the local speed limits and other rules for operating motor vehicles. Tickets may result in fines and even criminal charges, but your car insurance premium may also increase.

Finally, insurance is a requirement in most states. It’s crucial to ensure that the right insurance plan adequately covers you. The right plan for one family might not be the right plan for another family, so it’s wise to work with insurance agents. If you and your family need assistance with auto insurance, contact the CO Insurance Specialist serving Wheat Ridge, CO.

Many classic car owners take their cars to shows and discuss them with others, particularly when restoring cars themselves. The proof is in the pudding, and bragging rights come from the expertise and care that returned the car to its glory days. Your dedication to the craft is why some insurance policies allow owners to do their own repairs. If you need classic car or other insurance and live in or near Wheat Ridge, CO, contact the CO Insurance Specialist team for assistance.

Classic Car Insurance and Self Repair

Classic cars are not everyday drivers. They are unique, just like their owners. These differences are why classic car owners’ needs differ when their cars are involved in accidents and why some insurance policies cater to those needs.

Insurance companies encourage everyday vehicle owners to use preferred repair providers, but many take a different approach with classic cars. Besides allowing owners to have repairs performed at specialist shops that charge more than mainstream repair shops, classic car policies are more flexible about the cost of replacement parts because of the need for authenticity.

Some, but not all, classic car insurance providers also allow owners to repair the car themselves. Some also help locate the parts you need for the repairs. If repairing your vehicle following an accident is important to you, discuss the issue with your agent when shopping for policies so they can find the right provider.

Working with CO Insurance Specialist

The team at CO Insurance Specialist looks forward to providing classic car insurance that best suits your needs. If you live in the Wheat Ridge, CO area, call us at 720-638-0850 or stop by today, and let us care for all your insurance needs.

As the warmer months swiftly approach, ample car shows will occur in Colorado and the surrounding states. Here are the best ways to transport your classic car to these events.

1. Perform a Maintenance Check

Before hitting the road with your classic car, make sure to check the vehicle’s fluids and the battery. Doing this will allow you to avoid running into maintenance problems at the car show, which could easily have been prevented.

2. Transport It in a Trailer

Consider using a trailer for transport to prevent unnecessary mileage and wear and tear on your classic car. More importantly, this could be crucial for older cars that are not considered to be street-legal. You could use a flatbed trailer that attaches to your vehicle or an enclosed trailer that protects the car from potential sun damage.

3. Ensure Your Trailer is Secure

If you’re utilizing an enclosed trailer to transport a rare classic car, you should consider installing additional locks on the trailer and the vehicle. This is particularly important for extended trips that might require overnight stays. This will help prevent others from damaging or stealing the car.

4. Limit the Number of Passengers in the Car

A frequent question from car owners at car shows relates to whether spectators can sit in the car or even take a ride. Although it might sound fun, you should avoid letting spectators ride or drive your classic car. They won’t be insured in the event of an accident, leaving you potentially financially liable for any resulting damage.

If you are a classic car owner residing in or around Wheat Ridge, CO, and need classic car insurance, don’t hesitate to contact us today. Our team at CO Insurance Specialist is ready to help with your personalized quote needs.

If you have customized your car with modified or aftermarket parts, you will need to update your auto insurance policy to reflect these changes. Upgraded gear can add value to your vehicle, so altering your policy is necessary to ensure that you are compensated adequately should your car be involved in an accident or stolen. Our agents at CO Insurance Specialist in Wheat Ridge, CO explain more about what car conversions and modifications entail.

Common Types of Modifications

Modifications are any changes in parts for your vehicle that aren’t done by the factory when you buy it. Drivers may add parts to change the auto’s performance or appearance. Some typical modifications include:

• Turbocharge Engines
• Custom Paint
• Truck Bed Liner
• Tire Rims
• Bumpers
• Raised or Lowered Suspension
• Fuel System Upgrades
• Specialized Sound Systems

Insurance providers may increase or decrease your policy’s cost depending on the upgrade and whether the parts were self or professionally installed. An example of a modification that can lower insurance premiums is installing an anti-theft system or rearview camera that improves the safety of your vehicle. Upgrading body parts or motors can result in higher insurance costs.

Benefits of Modified Car Insurance

By updating your policy, you can have the confidence of knowing that you’re financially covered should an incident occur. Not including modifications to your policy can deny your insurance claim. Another repercussion could deem your insurance coverage entirely voided.

Keep Your Policy Updated for Your Protection

Keeping your agent at CO Insurance Specialist in Wheat Ridge, CO apprised of any alterations you make to your car lets us adequately compensate you should an incident occur. Call today to get your questions answered or to update your policy with one of our specialists.

Colorado motorists with collectible vintage or antique vehicles may benefit from a special type of auto policy known as classic car insurance. It covers the vehicle in addition to providing liability protection. However, there is usually a limit on how many miles you can drive.

Mileage Limits

Every insurance carrier is different. Some classic car policies cap yearly travel at 2,500 or 5,000 miles, but certain insurers will allow you to drive up to 7,500 or even 10,000 miles. For example, you’ll travel 3,380 miles yearly if you drive an average of 65 miles weekly.

Driving Purposes

Many insurers also have rules about using a vintage vehicle. They probably won’t allow you to deliver pizza or commute to the office in this vehicle. Some carriers will expect you to own a second non-classic car and/or a garage for storage.

An Alternative

If you want to drive your antique vehicle daily or travel very long distances, you can still insure your car with a standard auto policy. However, it would be best if you took the time to carefully examine the pros and cons of this option.

Regular car insurance may not cover the full value of your automobile. It’s designed to protect cars that depreciate over time, such as new and used vehicles manufactured within the last 20 years. You might also have to use aftermarket parts rather than original units.

When you need to insure a classic auto, turn to the friendly, knowledgeable experts at CO Insurance Specialist in Wheat Ridge, CO. Our local, independent agency benefits from more than three decades of experience in this industry. We’ll help you find the right policy for your specific vehicle and driving habits. To get started, please call the CO Insurance Specialist at 720-638-0850.