Do you live in or near Wheat Ridge, CO? If so, you live in one of the 48 states that require car insurance. A CO Insurance Specialist can provide the coverage you need to ensure you are within the law.

Car insurance will provide financial protection. You could be held responsible for associated costs if you are at fault. They may include legal fees, the injured party’s medical costs, or their lost income if they are unable to work because of the injury. The liability coverage helps pay for these expenses.

If caught driving without car insurance, you could be faced with a hefty fine or, in some cases, jail time. The government requires car insurance for the same reason it requires seat belts. Both protect drivers and passengers from disastrous scenarios.

If you are involved in a crash in which you are at fault, the driver and other passengers could sue you for 100% of their medical costs, loss of use, vehicle damage, and more. A bill of this size could be more than $100,000. Don’t put yourself at risk of financial devastation.

If you are hit by someone else, you will be glad the law requires car insurance. If an uninsured motorist hits you, it may take a very long time to get the money you are entitled to, if ever. While waiting for payment, you are responsible for medical payments, vehicle repairs, and other expenses.

Every driver needs liability insurance. Only some need collision and comprehensive coverage. Collision coverage helps cover the cost of replacing or repairing your car if you cause an accident or the other driver does not have enough insurance to cover the repairs. Comprehensive coverage will pay for damage resulting from vandalism, floods, theft, falling trees, deer, etc.

Don’t be caught driving without insurance. The risk is too significant. Contact a CO Insurance Specialist today for a quote.

Are you a classic car enthusiast? If so, is your investment protected with classic car insurance? The CO Insurance Specialist in Wheat Ridge, CO is the professional you can call for all your insurance needs, including classic car insurance.

Whether you paid a tidy sum to make it yours or rebuilt it from the ground up, your special hobby deserves to be protected with the best insurance coverage available.

While it seems to make sense that you can add your classic car to your existing car insurance policy, there are good reasons to have a policy specially tailored for your classic car.

A classic car policy will include typical vehicle coverage with collision, liability, and comprehensive coverage. But it will also cover you in other ways.

• When your policy is written, you and your insurance carrier agree on the car’s value based on the condition and market value of the vehicle. Therefore, you are compensated for the actual value with no depreciation included.
• You do not need to go to a repair shop designated by your insurance carrier. You can usually go to a restoration or repair shop of your choice.
• Some providers specializing in classic car coverage will search for parts that are hard to find, enabling you to have coverage for original replacement parts.
• Often, you may have the choice to drive whenever you want with no mileage restrictions.

Well-maintained classic cars hold their value and many times will appreciate in price. You want insurance that will recognize your vehicle’s true market value and provide the liability, comprehensive, and collision coverage that is needed.

The pros at CO Insurance Specialist serve the Wheat Ridge, CO area and are ready to answer all your questions. Contact our team today. You will be glad you did.

Even with a full coverage auto insurance policy, there are additional add-ons that you can purchase to make it the perfect fit for you. Talking with your independent insurance agent in Wheat Ridge, CO, you can count on CO Insurance Specialist to provide the necessary answers and products. 

A full auto coverage policy will include liability coverage, collision, and comprehensive coverage. These will protect your vehicle from accidents and other things that can damage it. But there are a few add-ons that you can supplement your policy with. 

Gap coverage

Buying a new car loses much of its value as soon as you leave the dealer. If you have put down a small down payment and have a large car loan, having gap coverage can keep you from owing money to your lender beyond what the insurance company pays you. 

Roadside assistance

When your car doesn’t start or gets a flat tire, it is nice to be able to call and have someone come and do the repair for you. The cost of this coverage is quite a lot less expensive than auto-club coverage. 

Rental car coverage

If your vehicle is damaged in an accident or another non-collision event, it may be in the repair shop for a while. While it is there, having a rental car is a big plus. To get a rental car, you need to have rental car coverage. 

Full glass coverage

If you have comprehensive insurance, you will have some glass coverage, but you will have to pay your deductible. If you have full glass coverage, you won’t have to pay a deductible, and you will be able to get your windshield easily repaired or replaced. 

Contact the CO Insurance Specialist of Wheat Ridge, CO when you are ready to update your auto insurance. 

If you own a classic car that you have restored or invested money in, you may not realize that regular auto insurance may not fully cover the value of your restored or rebuilt car. This is why you may need classic car insurance. Unfortunately, the staff at CO Insurance Specialist, serving the greater Wheat Ridge, CO area, have seen that many people have never heard of classic car insurance or make the mistake of insuring their classic car with regular auto insurance. Here are a few reasons why you should have classic car insurance versus standard auto insurance for a rebuilt classic vehicle.  

Classic Car Insurance Covers Your Car Based on an Agreed Upon Value

Traditional auto insurance values vehicles based on their Bluebook value. They do not consider that some older vehicles may be worth more if they are restored or rebuilt. When you purchase a classic car insurance policy, you and the insurance company agree on the value of your classic car, ensuring your vehicle is insured for its true value. 

Classic Car Insurance Covers Add-On or Aftermarket Parts

Another reason why classic car insurance is essential to have is that classic car insurance helps to cover add-on parts or aftermarket parts. These parts can be pricey, but they are not usually covered under regular auto insurance policies. Classic car insurance covers these expensive parts you have purchased for your car.  

If you have a rebuilt or restored classic vehicle, traditional auto insurance may not value the car as high as you do. This is why classic car insurance is so important. If you have a classic vehicle in the greater Wheat Ridge, CO area, the team at CO Insurance Specialist can help you obtain classic car insurance. Reach out to us today to get started. 

Anyone that lives in the Wheat Ridge, CO area will want to know that they have an efficient way to get around. Owning a vehicle can ensure you can get around and enjoy all that the community offers. If you purchase or lease a vehicle, getting auto insurance will be a necessity. There are various reasons why this coverage should be considered necessary. 

Mandated as Legal Requirement

Anyone in this part of Colorado will need auto insurance because it is mandated as a legal requirement. If you are going to drive any vehicle in this state, you need to meet the set insurance standards. This will typically require that you at least have liability coverage. If you have leased the vehicle or taken out a loan, the financing company will also require collision and comprehensive protection. 

Protect Investment

You also should get an auto insurance plan to ensure you are protecting your investment. If you choose to buy a car, you will want to use it for a long time. A great way to protect this is by getting an auto insurance policy that has full coverage. In this situation, you will have support if your car is damaged or stolen. 

If you buy a car when you are in the Wheat Ridge, CO area, you will want to know that you are adequately insured. The professionals with the CO Insurance Specialist can offer any support needed to build your next insurance plan for your car. If you call the CO Insurance Specialist, they can provide a personalized assessment that will also ensure you are aware of all needs and coverage options. 

Wheat Ridge, CO area car enthusiasts are fortunate to have the CO Insurance Specialist team available to help them with all of their insurance needs. We are here to help you make sure that your classic car has the right policy protecting it.

Owning a classic car is a commitment

Anyone who owns a classic car understands that it’s not a hobby. It is a commitment. And, there is typically a lot of financial investment that goes along with owning this type of vehicle. Because of this, you want to make sure that your classic car policy provides the coverage that you need.

There are a number of different factors that can impact your decision when you are selecting your policy:

• How often do you drive the vehicle?
• How far is it driven?
• Do you store your car at home or off-site?
• Is it stored in a temperature-controlled area?

These are just a few of the questions that you should review with your insurance agent. Depending on your answer to the above queries, your insurance needs may be different than what you expect.

Owning a classic car is a serious joy, and with that joy comes a strong sense of responsibility. You want to make sure that your vehicle has the necessary coverage in place now and for the foreseeable future. Now is a perfect time to review your classic car policy.

We are here for you!

If you live in the greater Wheat Ridge, CO area and own a classic car, it’s time to get to know the CO Insurance Specialist team. We are here to help you find the right policy and protection for your classic call. Give us a call today and set up your consultation. We look forward to working with you!