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CO Insurance Specialist

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

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At what point should I reevaluate my auto insurance policy and adjust my coverage?

At CO Insurance Specialist in Wheat Ridge, CO, we believe our clients must reevaluate their auto policies annually. Unfortunately, many auto consumers rarely review their policies with a licensed agent, and when an incident occurs, they are unaware of their auto policy benefits.

There are several key circumstances in which you should reevaluate your auto insurance policy and make adjustments as needed:

  • Your driving habits change, such as driving significantly more than you used to.
  • After a major life event such as moving to a new state, moving further from your job, changing employment, getting married, buying a new car, or having a child.
  • You have an older car that has depreciated in value.
  • You have less income due to a job loss, retirement, or other circumstances.
  • You got into an accident, received a traffic ticket, or other changes occurred to your driving record.
  • New laws in your state were passed that affect the coverage you need for your vehicle.

You may be wondering how to reevaluate your policy. Contact us. We will help you reassess your auto insurance policy by:

  • Reviewing your current coverage with you and ensuring that your policy limits are sufficient for your needs.
  • Helping you reconsider deductibles for your auto insurance. Raising your deductible can result in lower insurance premiums.
  • Providing quotes from other carriers under our umbrella to help you find the best rates for the same coverage.
  • Helping you identify if you qualify for any available discounts that could lower your premiums.

We’re Here to Help Wheat Ridge Residents

At CO Insurance Specialist in Wheat Ridge, CO, we’re here to help you make informed decisions about your auto insurance policy and ensure you have peace of mind while you or your family are on the roads. If you have any questions about your auto policy and want to discuss your options, call us at (720) 638-0850.

What are the Requirements to Insure a Classic Car?

Understanding Classic Car Insurance

Classic car owners in Wheat Ridge, CO may not be fully aware of the requirements for adequately insuring their vintage vehicles. If you have questions about these requirements or the necessary insurance coverage to comply with state regulations, contact us at CO Insurance Specialist. We can provide the answers and guide you through the process of insuring your classic car.

Eligibility and Insurance Requirements for Classic Cars

In Colorado, classic car insurance is mandatory. A vehicle must meet several qualifications before it can be registered with collector status.

Specialized Insurance Coverage

Classic car owners might consider purchasing an insurance policy known as agreed value coverage. With this policy, the vehicle’s value is predetermined. If a covered loss occurs, the owner will receive the maximum amount previously agreed upon in the policy.

Vehicle Age and Insurance Coverage

The vehicle must be at least 32 years old. In Colorado, the minimum insurance coverage is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage.

Manufacturing Date

A classic vehicle must have been manufactured before 1975 to be considered a classic. Vehicles manufactured after 1976 that were registered before September 1, 2009, are also classified as classics.

Mileage

Classic vehicles also have mileage restrictions. The vehicle cannot exceed 4,500 miles of driving per year. When applying for a classic license plate, the owner must sign an affidavit verifying the vehicle will not exceed the 4,500-mile limit per year.

Emissions Testing

The classic vehicle must have passed an emissions test within the previous 12 months to be eligible for registration as a collector/classic vehicle. This requirement applies to vehicles manufactured after 1976.

Get in Touch

Navigating classic car requirements can be confusing. With the assistance of our experienced staff at CO Insurance Specialist, we can help you choose the right path to insure your collector’s item.

There is No Such Thing as Having “Too Much” Insurance When You Get Into an Accident

It’s common to worry about being "underinsured." After all, no one wants to discover they lack the necessary coverage after an incident. However, the term "overinsured" is often more of a marketing term than an insurance reality. The truth is, there’s no such thing as having too much insurance. Just ask anyone who has been involved in an auto accident. Getting the proper protection for you and your vehicle is crucial, which is why drivers in the Wheat Ridge, CO area rely on the professional team at CO Insurance Specialist for their auto insurance needs.

The Reality of "Over insurance."

Auto accidents are unpredictable, and the damages, expenses, and related bills often exceed our expectations. This unpredictability challenges the concept of being "overinsured." When it comes to safety, protection, and having the coverage we need in the event of an accident, there’s no such thing as too much insurance. That’s why people in and around Wheat Ridge work with professional and experienced agents to get the coverage they need to handle any road trouble.

Auto Insurance Solutions for Wheat Ridge, CO Drivers

If you live in or around the greater Wheat Ridge area and have questions or want to learn more about auto insurance for your vehicle, we can help. Contact us at CO Insurance Specialist to find out more and schedule an appointment for the coverage and protection you need every time you drive.

Will My Auto Policy Cover a Single Vehicle Accident?

Single-vehicle accidents occur more often than you might think and account for over half of Colorado traffic deaths. Single-vehicle accidents occur with automobiles, motorcycles, and commercial vehicles, and the coverage and liability issues to single- and multiple-vehicle accidents. Still, knowing what to do following a single-vehicle accident is essential. The CO Insurance Specialist team, serving Wheat Ridge, CO, will answer your insurance questions and provide the coverage you need.

Understanding Fault in Texas Single-Vehicle Accidents

Colorado is an at-fault state, so we have processes to determine who is legally responsible for injuries or damages resulting from an accident and who holds financial responsibility for the injuries and damages. Though it may seem counterintuitive, more than one person or entity may be at fault for a single-vehicle accident. Sometimes, the process finds the vehicle operator is not at fault or is only partially at fault for an accident. Those situations occur when the fault is due to:

  • Ice, snow, fog, or other weather-related conditions
  • Road faults such as potholes or broken pavement
  • Street signage hidden from view
  • Hitting an animal or items that fell off another vehicle
  • Swerving to avoid another vehicle negligently entering your path
  • Vehicle manufacturer or mechanic errors leading to a faulty vehicle

You should obtain a police report for all accidents. You can also help determine fault by safely documenting the accident scene. Pictures or videos that truthfully represent your version of the events may help identify contributing factors to the accident.

Working with CO Insurance Specialist

For those living in or near Wheat Ridge, CO, the team at CO Insurance Specialist will help you obtain the insurance coverage you need. Stop by the office today or call us at (720) 638-0850 to get started.

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