If you’re looking for affordable car insurance, you may be surprised to learn that the cheapest plans don’t come with reasonable premiums. 

Some common ways include lowering your car’s risk by staying safe on the roads and keeping your vehicle in good condition. Confer with CO Insurance Specialists for advice in Wheat Ridge, CO. 

More About Auto Insurance Discounts 

Contact your agent or check online to find out about the different discounts that may apply to you. Contact your insurance provider and compare the other products to find your fittest plan. To receive the best possible rate on auto insurance, it is essential to know what type of coverage you want, how much you are currently paying, and your current situation. 

To receive the best possible rate on auto insurance, it is essential to know what type of coverage you want, how much you are currently paying, and your current situation. Some may require you to meet specific criteria, like being a certain age or having a clean driving record. 

Some companies offer discounts for driving a certain amount of miles driven each year or even lowering your premium if your car is worth more than the value of your vehicle. Additionally, you can shop around to find the best rate based on your driving history and other factors that affect your rate. Below are some ways to obtain auto insurance discounts. 

Use your car for work purposes: If you use your vehicle for business purposes, you may be eligible for a discount. This also applies if you need to make deliveries and run errands on behalf of your company. 

• Ensure your car is well-maintained: Maintaining it in good condition is an effective way to lower its risk and save on insurance premiums. 
• Drive safely: If you’re involved in an accident, the insurance company will consider it more likely that you will have another one in the future, which means higher premiums. So, avoid accidents by driving safely and responsibly if you want to save on auto insurance. 
• Don’t speed: Speeding is among the common causes of accidents. Always consider driving safely.
• Increase your deductibles: If you increase your deductible, you’ll have to pay more out of pocket for minor repairs and less for bigger ones. You can reduce your premiums without sacrificing the quality of your car’s protection. 

For expert help in Wheat Ridge, CO, check with CO Insurance Specialists.

Do you own a classic car like a 1964 Ford Mustang? Then it would be best if you had classic insurance. Are you confused about classic insurance? Well, you are not alone. Most people don’t differentiate between classic insurance and standard car insurance. So, if you own a classic car, you must understand that this insurance protects your classic in case of an unfortunate accident. CO Insurance Specialists have prepared some of the frequently asked questions about classic insurance to shed some light.

Is my car eligible for classic insurance?

For your car to qualify for classic insurance, it must be twenty-five years and above. So, your daily drive may not be eligible.

What is the agreed value?

Unlike other standard cars, classic cars appreciate. So, in this case, the actual value can’t work. In this case, you and your insurer agree on the value of the car when stolen or damaged.

Is classic car insurance expensive?

Surprisingly, classic car insurance is cheaper than standard auto insurance. The premium is affordable because you don’t drive it daily, making the risk minimal.

Is classic car insurance a requirement?

Yes, in Colorado and most states, you must show proof of insurance while on the road with your classic car. Remember, your classic vehicle poses the same risks as other standard motor vehicles.

What are the classic insurance coverage options?

The classic insurance coverages are similar to those of typical car insurance. Some of the coverages include:

• Lability coverage
• Collision and comprehensive coverage
• Uninsured/underinsured motorist coverage
• Roadside assistance
• Medical payments

Classic car insurance in Wheat Ridge, CO 

Since classic cars are extraordinary and unique, they require a special insurance policy. But if you are still unsure about classic car insurance cover, talk to us at CO Insurance Specialists for more insights. Ready to protect your pride? Call us today if you live in Wheat Ridge, CO, and preserve your classic vehicle.

Basic insurance is the minimum amount of coverage you can have legally to drive a vehicle in a given state. In Colorado, that is 25/50/15. Other states have other amounts. While this may be the perfect coverage for some people, it isn’t suitable for everyone. For those who live in or near Wheat Ridge, CO, CO Insurance Specialists has an experienced team who is happy to provide the information you may need to determine if basic coverage is right for you. 

With basic insurance, other drivers are protected from you. If you are the responsible driver in an accident, you will pay for medical bills and damage to the other vehicle. But it doesn’t do anything for your car. You will be left to pay for any repairs yourself. 

If you have an auto loan or are leasing a vehicle, you will need to have insurance to protect your vehicle, which the loan company or the lessor has an interest in. 

But what about your vehicle if you don’t have a loan or lease? Do you count on your vehicle for your activities of daily life? Most people do. If you had an accident or were the victim of a hit and run, would you be able to pay for the repair? If your vehicle was stolen, would you have the money to replace it? 

Collision coverage provides the money you need to repair or replace your vehicle if damaged in an accident. Comprehensive coverage covers you for vehicle theft and other things other than an accident that can damage or destroy your vehicle. It includes glass coverage as well. Most coverage will require that a deductible be paid. 

Contact CO Insurance Specialists in Wheat Ridge, CO when you need to make some auto insurance decisions.