Classic car enthusiasts in the greater Wheat Ridge, CO area can rely on the team at CO Insurance Specialist for all of their classic car insurance needs. Of course, insuring a classic car is a different situation than obtaining a policy for a typical vehicle, and it’s important to know about the available options. Don’t miss out on finding the right policy for your needs, call us today!

How do you use your classic car? It can make a difference in choosing the right insurance policy

There are certain situations when it comes to classic cars that can affect your insurance coverage. For instance, if you keep your car stored in a temperature-controlled storage unit and only drive it to car shows, your insurance needs might be different from those of someone who keeps their classic car at home and drives it on a fairly regular basis. These are just two examples of the many considerations that go into protecting your classic car with the right policy. Owning a classic car is more than owning a vehicle. These cars are often major investments and therefore require a different type of insurance. Don’t wait to find out that your current policy is inadequate or that you are underinsured. Take the time now to prevent a future catastrophe! Working with an agency that understands the nuances of classic car insurance will help you find the policy that best meets your needs. 

If you want to learn more about the many insurance policies available to classic car owners in the greater Wheat Ridge, CO area we’re here for you. Call or stop by CO Insurance Specialist today and learn more about how we can help you find the right classic car insurance policy for your needs. 

As a driver in Colorado, you have a lot to enjoy. The gorgeous scenery can be very distracting as well as enchanting. Colorado does have laws about the amount of auto insurance that you are required to carry.  At CO Insurance Specialist in Wheat Ridge, CO we are proud to be able to offer not only information but an extensive choice of coverage from the best carriers in the business.

In Colorado, drivers must carry liability insurance to guarantee that if they have an accident where they are at fault, the other person will be covered. The minimum required is $25,000 for injury or death to a single person and $50,000 if more than one person is involved. The coverage of the vehicle or property must be $15,000. This certainly protects the other driver and their interests in the event of an accident but what about you and your vehicle? 

For vehicles that have a loan or are leased, collision and comprehensive insurance will be required. But even if you don’t have a lease or a loan, comprehensive and collision offer valuable protection. Most people need their vehicle to go about the everyday business of life, driving to work, errands, school, grocery shopping and so much more. In the event of an accident where you are at fault or an event that damages your vehicle, these two coverages will make sure that your vehicle is repaired or replaced so that life can go on as usual.

If you are looking to purchase your first auto insurance or if you would like to have us take a look at the coverage you do have, at CO Insurance Specialist in Wheat Ridge, CO we would be happy to take the time to recommend a policy to fit your needs. Stop by our office or give us a call for a no-obligation quote.

Classic car insurance in Wheat Ridge, CO is a chance for you to get the coverage you need for something you cherish. These cars aren’t just a mode of transportation for their owners, they’re a link to history and heritage. If you’re looking for the best possible protection, CO Insurance Specialist wants you to know how classic can insurance can work for you. 

It’s Made for You 

Classic car insurance may offer policies that take into account much more than the value of the car. This means that if you’ve spent a lot of time and effort restoring the vehicle, you can negotiate the value of the car prior to taking out the policy. If it’s destroyed, you’ll be paid for the previously agreed-upon value rather than the actual cash value. 

It’s Reasonable

Classic car insurance is made for people who typically keep their cars in the garage. Because they’re so rarely driven, the policy is typically less than that of a standard car. Those with classic cars typically do everything they can to protect them, and the insurance company professionals know it. 

It Helps to Be Prepared 

Taking out classic car insurance in Wheat Ridge, CO is a great way to keep it safe from water damage, accidents, fires: the list goes on and on. If you have questions about the type of policy that’s right for you, CO Insurance Specialist is here to help. Policies may differ based on the age, type, and condition of the car. Whether it’s undergoing restoration or always kept in an enclosed building, we can help you find the right coverage for you. Give us a call today if you’re looking for insurance that will keep your class car in perfect condition. 

Like thousands of people across the country, you may be hitting the road to visit family or friends for the holidays. Before you go, make sure you have the protection you need by updating your auto insurance. You don’t want to be caught unprepared in the event of an accident. The following coverage from CO Insurance Specialist in Wheat Ridge, CO can protect you, your vehicle and others in the event of an accident. 

Liability

Liability insurance protects the interests of others in accidents you cause. Like most states, Colorado has minimum liability insurance requirements. Minimum coverage, however, won’t be enough to protect you against serious accidents on the road. Holliday traveling increases your risk of an accident due to adverse winter weather and a greater amount of traffic on the road. Ideally, your liability coverage should be sufficient to protect your assets if you were sued for damages due to causing an accident.

Collision 

Collision insurance covers the cost of repairing your vehicle if you crash into another car or object. Many drivers choose not to purchase this optional coverage as it raises premium costs. If you don’t have this coverage, you may want to add it to your policy to protect you against collisions on icy roads during your long-distance holiday travels.  

Comprehensive

Comprehensive insurance is also optional. It protects your vehicle against theft, vandalism, and damage caused by adverse weather. If your vehicle is damaged by winter weather during your trip or stolen at a rest stop, you’ll be glad you had this extra protection to get you through the holidays. Uninsured/underinsured motorist and roadside assist can also come in handy when traveling far from home for the holidays. 

To learn more about car insurance coverage and costs, call or visit CO Insurance Specialist in Wheat Ridge, CO.

Homeowners who are buying their first condo may wonder if the insurance requirements are different when compared to insuring a home. The answer is that they are. Condominiums are different from homes because they may share walls, ceilings, and floors with other condos. They also share the common areas. The insurance risks are shared too.

Master Insurance Policy

When considering condo insurance consult with an agent at CO Insurance Specialist serving Wheat Ridge, CO, and the surrounding area. Be sure to request a copy of any master insurance policy that covers the condominium building and property, so you can share this policy with your insurance agent.

The building owner should be able to provide a copy of this master insurance policy or if there is a management company or a condominium owners’ association (COA), ask them for a copy.

Individual Condo Policy

For adequate coverage, your individual condo insurance policy picks up where the master insurance policy stops. Many types of damage may be covered in part by the master policy, perhaps in part by another condo owner, and perhaps in part by your condo insurance.

A slip and fall accident illustrates one difference between home insurance and condo insurance. For a homeowner, if someone falls anywhere on their property there may be a claim made be made against their home insurance. 

For a condominium owner, if someone falls in the common areas of the condominium property the master insurance policy for the condominium building is the one that may see the claim. If someone falls inside the condo then the individual condo policy may be responsible for the claim.

Summary

To make sure you have adequate condo insurance get an insurance review with the help of your agent at CO Insurance Specialist in Wheat Ridge, CO. Talk about the details and have your agent look for gaps where coverage may be missing.  Be sure to discuss the benefits of having replacement cost coverage and sufficient protection for personal property in your condominium.