For those that might have an unlicensed car sitting around, the question is, do you have to hold an insurance policy on it? For those living in the Wheat Ridge, CO area, the agents with CO Insurance Specialist can help answer all your questions.

Long story short, you are only required by law to have an insurance policy on cars that are licensed and on the road. This means that if you have a car that has been totaled, that is not running, or that you are simply not driving, you do not have to have insurance on it by law. This means that if you have a car that has stopped running for instance and it is going to take you a great deal of time to get it road worthy again, you can take off the license plates and remove the insurance from the car.

If you do intend to drive it again however, you will need to make sure it is both licensed and insured properly. This is one way that people that work on cars or that have a car collection that is not driven can get away without having road insurance. You may want to wait a moment before you remove the car from your policy however. It is still going to cover things like some damage and even theft and vandalism.

It is always a difficult decision to determine if your car does or does not need insurance. If you are having trouble and need help, it is suggested that you take the time to talk with an agent to find out if your car needs insurance. For those in the Wheat Ridge, CO area, the agents with CO Insurance Specialist are ready and waiting to help you find the right policy for you.