Your classic car likely brings you a lot of joy. Even other drivers and passengers in their cars will turn their heads and have a happy moment when they see you drive by. The feel of the leather seats, the sound of the old and well-kept engine, stepping back to a simpler time. The reasons for enjoying a classic car can go on and on. There may be even more when it comes to classic car insurance with CO Insurance Specialist. We serve classic car enthusiasts in Wheat Ridge CO and the rest of the state. 

What Should You Ask When It Comes to Your Classic Car Insurance? 

• Are There Mileage Limits? Ask this question to protect yourself if you drive your classic car often. Sometimes there are no limits, but there can be a limit on the mileage you can put on your car and still have classic car insurance to protect it. 
• Can You Save Money If It is Not Your Daily Driver? The answer is likely yes, but be sure to check and find out about possible savings and driving limitations. 
• What is The Difference in Agreed and Stated Value?  You and your insurer will need to come to an agreement about the car’s value in order to have classic car insurance. With a new vehicle, this is easy as looking up the stated value, but classic car values can vary greatly. 
• Can my Race Car Qualify for Classic Car Insurance? Maybe, but you will need to agree to any limitations and your car will have to qualify by age and other factors. Be sure to ask our agent. 

Contact us at CO Insurance Specialist to find out how we can save you on classic car insurance in Wheat Ridge, CO. 

What to Do If You’re In an Accident In Colorado

Drivers in Wheat Ridge, CO have to follow certain legal requirements, such as carrying a minimum required amount of automobile insurance. Even the most careful driver may be involved in an accident, and if you do, the first thing you should do is stop in the safest, closest place possible. You may need to move out of a travel lane, or even to a safer place like a police station if you are in a dangerous area.

One of your most important duties at the scene of an accident is to exchange information with the other driver or drivers. You need to provide your contact information, including your full name and address, and your registration and insurance information. A requirement Colorado has which most states don’t is that it requires anyone involved in an accident to file a report.

Collecting Information

You also need to get that information from the other driver. Besides fulfilling your legal requirements, you need to collect as much other information as possible about the crash. You should take pictures and get any witnesses’ information if there are any. If there is a lawsuit later, you need to have as much information as possible about what happened. 

Calling the Police

You are only required to call the police after an accident if someone is injured, if the accident caused damage to public property, or if the accident involves a crime like hit-and-run or operating under the influence. You can call your agent at CO Insurance Specialist to discuss what is happening too.

You will be safer calling the police after an accident, though, because the responding officer will be another witness who collects information. You can’t always trust the other drivers, so it’s better to protect yourself. If you live in Wheat Ridge, CO and have any questions about what happens after an accident, or if you want to discuss your policy, feel free to call CO Insurance Specialist today.

Are you a classic car enthusiast? If you have worked on restoring a car, or have invested in a classic car, you understand that in most cases these vehicles are both an investment and a hobby. Many of the classic car owners in the greater Wheat Ridge, CO area store their classic cars in temperature-controlled storage facilities away from their homes. The team at CO Insurance Specialist can help you navigate the insurance process in such instances where your car is not kept at your primary residence. 

Is your classic car at a storage unit?

When your car is kept at a location outside of your primary residence, your insurance needs may be different than you think. Classic cars represent a significant investment in both time and money, and it is important that you have the protection you need. If your car stays mainly in a garage and you take it out to classic car shows in the summer, your coverage needs will be different than someone who uses their classic car on a more frequent basis. It is important to review your policy for coverage levels and protection that is in line with your usage. Storage facilities that are away from your home, can require a separate policy in some cases. Whatever your usage levels are, wouldn’t it be nice to have the peace of mind that comes with knowing you are protected?

Do you want to make sure that your beloved classic car or cars have adequate insurance, no matter where they are? The team at CO Insurance Specialist is here to answer your questions and provide you with information pertaining to your classic car insurance options in the greater Wheat Ridge, CO area.

Top Seven Tips to Car Care

Your vehicle is your investment, and you want to keep it on the road and as long-lasting as possible.  If you live in the Wheat Ridge, CO area, you know that the extreme weather can take a toll on your vehicle.  Here are some tips to help take care of your car.

1.    Check the oil on a regular basis and have the oil and oil filter changed as indicated. 

2.    Have the cooling system flushed and the coolant changed annually to prevent corrosion and deposits from forming in the system.

3.    Refer to the owner’s manual for service intervals for the transmission and differential oils.  If you are a do-it-yourselfer, be sure to use the proper oil type and viscosity.

4.    Keep your vehicle clean, which can seem unnecessary, but it’s important to keep the underside clean and to get the winter road salt or chemicals off the car.  To maintain the paint job, it’s best to wax it every six months.

5.    Protect the interior plastic and vinyl parts by parking in the shade when possible, using a sun visor, and applying protectant to keep it from drying out.

6.    The driveline and all moving parts need lubrication to function properly and maintain their life.

7.    Brake fluid attracts moisture, and that means it can lead to corrosion and brake failure.  It’s best to bleed the system and replace the fluid once a year. 

CO Insurance Specialist

For over 30 years, CO Insurance Specialist have been helping people in the Wheat Ridge, CO area with insurance needs.  When it comes to auto insurance, we have the experience and expertise to help you find the right policy to fit your needs.  Contact an Insurance Specialist agent today.

Everyone knows what auto insurance is. The buyer insures a vehicle in the event of an accident or other mishaps against damages, not only to the vehicle he or she owns but also to other vehicles involved in the mishap if the owner is found to be at fault. An auto insurance policy also covers property damage, medical expenses, and legal liability. Owners receive a settlement for the damaged car or its replacement value minus the depreciation, depending on the model, make, and year.

But what about a classic car, like a decades-old sports car or a rare, luxury vehicle like a Bentley or Rolls Royce? As CO Insurance Specialist, serving Wheat Ridge, CO would like to explain, a classic car is treated like any other luxury item, like jewels or furs. Classic car insurance thus covers an agreed-upon value of the vehicle. Generally, that value is assessed by a respected appraiser and listed in a guide book that lists classic cars.

The insured classic car should be in good condition. If the car is totaled in a wreck or an accident like a garage fire or is stolen and not recovered, the policy will pay for the full appraised cost of the vehicle.

Why should you get classic car insurance? A classic car represents a considerable investment, both in time and money. Owners of classic cars also enjoy keeping them running and in mint condition. A classic car insurance policy protects the investment and insures that the owner can at least have enough money to replace the item if the worst happens.

For more questions on classic car insurance, feel free to contact CO Insurance Specialist, serving Wheat Ridge, CO.

Having a teen driver in the house can be cause for anxiety for a lot of parents. This is new territory and can feel intimidating. However, by taking certain steps you can make this transitional time less stressful. It is important to make sure you have all of your bases covered, however. Keep reading to learn more about adding teen drivers to your insurance.

How Can I Keep My Teen Safe?

The most critical question in parents’ minds is how to keep their teen safe while driving. First, have open honest talks about texting and driving. It is so important for teens to understand that texting and driving is not allowed, ever. Next, make sure your teen participates in a driver’s ed program. These programs are very effective at producing safer drivers. Next, stay involved. Work patiently with your teen while they are learning to drive. Do not stress them out with your anxiety. Relax. 

When To Add My Teen To My Insurance

You will need to talk to your insurance provider to learn exactly when you will need to add your new teen driver to your policy. Be prepared for a change in your rates. This is unavoidable. There are ways to get discounts, however. Some providers make discounts for good grades, and of course explain to your teen that in order to keep insurance costs low, they must avoid unsafe driving practices and accidents. 

Set Clear Consequences

If your teen does not abide by safety rules and family rules, then there should be clear consequences in place. This will help your teen understand just how serious driving is, and how expensive it can get when you are not careful. 

If you would like to learn more about adding a teen to your auto insurance contact our friendly staff at CO Insurance Specialist in Wheat Ridge, CO. 

If you own a classic car, it is recommended that you purchase classic car insurance over traditional auto insurance. One of the questions that we at CO Insurance Specialist, serving the greater Wheat Ridge, CO area, are asked, is whether you need classic car insurance if you never drive the car. Here is what you need to know. 

What is Classic Car Insurance?

Classic car insurance is insurance designed for classic cars. With traditional auto insurance, you only get paid what the Blue Book value of your car is worth if it is damaged or in an accident. This can be low for an older car. Classic car insurance pays you what the classic car is worth on the resale market, not based on Blue Book value. 

What Does Classic Car Insurance Cover?

Classic car insurance covers many different scenarios, depending on the type of insurance you purchase. Classic car insurance may cover accidents, damage to the vehicle when it is parked, theft or vandalism. Carefully read through the policy you are considering buying before you purchase it to ensure it has the coverages you are looking for. 

Do You Need Classic Car Insurance If the Car is Never Driven? 

You should carry classic car insurance, even if the car is never driven. A great policy will cover damage to the vehicle even when it is not being driven or theft. A good policy will help to protect the investment you made in the car, regardless of whether it is being driven or not. 

It is highly recommended that you purchase classic car insurance for your vehicle, even if you never drive the car. If you are in the market for classic car insurance in the greater Wheat Ridge, CO area, CO Insurance Specialist can help. Contact us today for a free quote or to learn more. 

The state of Colorado requires that all car owners have auto insurance to protect oneself in the event of an accident. The only choice you have is either to purchase the states’ minimum coverages or include the premium rates available. 

At CO Insurance Specialist, we provide you with all the guidance that you may require to help you select the most convenient, affordable, and goal-oriented package. Here are some of the standard coverages in Colorado’s auto insurance policy.

• Medical: A medical coverage will settle bills for injuries on other people in your car who may get hurt in an accident.
•  Bodily Liability. Liability protection means that if you’re found to be at fault in case of an accident, your policy benefits will be used to pay for the injuries sustained by other parties.
• Property: In a road accident, the car may crash on other peoples’ property. In such situations, your property liability coverage helps compensate for the loss.
• Comprehensive: This coverage primarily protects your car from theft, glass breakage, fire, vandalism, and other elements that may damage the vehicle.
• Collision: Collision coverage exclusively comes in only when your car collided with another vehicle, animal, trees, stones, or other motorists like motorbikes irrespective of who is at fault.
• Uninsured/underinsured: Every country has those few drivers who drive without valid insurance policies. In an incident where you’re hit by a motorist who is either not adequately insured or completely uninsured, they may not be in a position to pay for the damage or injuries that you may sustain in the occurrence regardless of whether they’re at fault. This policy compensates for that.

Accidents knock anytime and if you’re not prepared may have to pay large sums of money to save lives. CO Insurance Specialist in Wheat Ridge, CO helps you cover yourself, family and other motorists. We encourage you to visit us, and we will ensure to get you a rate that is perfect for you.

 

Owning a classic car is an enjoyable experience and helps you take a walk down memory lane. You do need insurance for your classic car, and that type of insurance is known as classic car insurance. You might be wondering whether that insurance is more or less expensive than standard car insurance. Here is some insight on that, courtesy of CO Insurance Specialist serving Wheat Ridge, CO.

The cost difference

Many people might assume that insurance for a classic car costs more than insurance for a regular car. But the opposite often is true, so many times, it is less expensive.

There are reasons for classic car insurance typically being less expensive than standard insurance. For example, there are certain restrictions for classic cars, and those lower the price of insurance. Some of the restrictions might relate to when the vehicle is permitted to be driven, the distance away from home that it can be driven, and the places to which it can be driven.

Because classic cars are restricted as far as how often they are allowed to be driven per the insurance policy, they are automatically less likely to be in accidents and experience damage. It is thus less expensive to insure them.  

Factors that affect the cost of insurance

Many factors can help to determine how much classic car insurance costs. For example, how much the car will be driven, how old the car is and how it will be used can affect the cost.

Purchasing classic car insurance can be somewhat more complex than obtaining insurance for a different type of car. If you need help deciphering all those ins and outs, we can help. So feel free to contact CO Insurance Specialist serving Wheat Ridge, CO with your questions about classic car insurance.

As a driver, you face several risks every time you hit the streets of Wheat Ridge, CO, including collisions, theft, vandalism, and much more. However, having auto insurance with CO Insurance Specialist ensures that you are financially protected in case of an unknown risk.

The state of Colorado requires all drivers to carry auto insurance, failure to which you can face penalties such as fines, license suspension, community service, and 4 points on your driver’s license. In addition, the Colorado DMV requires you to show proof of auto insurance before you can register your car or renew registration.

Drivers must have the following coverage options:

Property Damage Liability

This coverage covers expenses related to the damage to someone else’s property when you cause an accident

Bodily Injury Liability

This coverage caters to the expenses related to bodily injuries of a third party when the accident is your fault.

But, other smart coverage options to add to your auto insurance policy include:

Comprehensive

Comprehensive coverage caters to the cost of repairing or replacing your vehicle in case it’s damaged due to non-collision accidents, for instance, vandalism, theft, wildlife, and much more.

Collision

Collision coverage caters for the cost of repairs to your vehicle in case it’s damaged after hitting or being hit by another vehicle or object.

Uninsured/Underinsured

Even though auto insurance is compulsory, some drivers still don’t carry it while others don’t have enough coverage. This type of coverage covers expenses in case you’re involved in an accident where the other party is at fault but has less or no insurance.

Medical Payments

This coverage caters for your medical expenses and those of your passengers in case of an accident regardless of who’s at fault.

At CO Insurance Specialist, we offer affordable, reliable auto insurance policies. Contact us today for a worry-free driving experience in Wheat Ridge, CO.