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Category: Auto Insurance

Classic Car Insurance vs. Regular Auto Insurance

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Wheat Ridge, CO motorists who own classic or antique vehicles can choose between two kinds of insurance policies: regular auto insurance or specialized classic car insurance. Before selecting one type of coverage, it’s important to consider the pros and cons of each option carefully.

Why Choose Classic Car Insurance?

A classic vehicle policy provides some unique advantages. It often covers things like original part replacement and repairs performed by specialists. This type of insurance can also cover the value of a car that’s now worth more than its original value. On the other hand, a standard auto policy will insure your vintage vehicle the same way it would cover any used car.

Why Choose Regular Car Insurance?

Nonetheless, there are some advantages to signing up for standard insurance. It has far fewer restrictions. This type of coverage usually doesn’t have mileage limits or require parking the vehicle in a garage. You can commute to work in the car if desired. Also, drivers and vehicles are more likely to qualify for regular auto insurance.

They’re Not Entirely Different

These two options provide some of the same benefits. They both satisfy Colorado’s legal requirement to carry auto insurance. Both types of insurance cover some of the same things, such as liability. With the right policy, you can add coverage of accident damage, theft, and/or natural disasters. Roadside assistance may be included or offered as an optional service.

If you’re ready to insure your vintage vehicle, talk to the experts at CO Insurance Specialist in Wheat Ridge, CO. Our local independent agency benefits from more than three decades of experience. We offer both classic and regular auto coverage. If you have questions or would like to request a quote, please get in touch with CO Insurance Specialist today by calling 720-638-0850.

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

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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?

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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

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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.

How Mileage Affects Classic Car Insurance Policies

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If you own a classic car in the greater Wheat Ridge, CO area, it’s important to understand that your classic automobile needs more than a traditional auto insurance policy. A traditional policy does not consider all of the modifications and restoration that may have been done to your classic car, whereas classic car insurance does. Mileage greatly affects these types of car insurance policies. Here’s more information as to how.

How Mileage Affects Classic Car Insurance Policies

When it comes to classic car insurance, mileage plays a crucial role in determining the policy terms and premiums. Classic car insurers typically offer lower rates for vehicles that are driven less frequently, as limited mileage reduces the risk of accidents and wear and tear. Due to their age and environmental impact, classic cars typically are not driven frequently, which is why these types of policies work well for classic automobiles. Policies often include mileage limits to qualify for these specialized rates, reflecting the vehicle’s use mainly for exhibitions, parades, and occasional pleasure drives. Understanding these limits and accurately reporting your classic car’s mileage is essential to maintaining appropriate coverage and benefiting from reduced premiums.

Always Check the Mileage Restrictions

When purchasing a classic car policy, it’s important to always check the annual mileage limits. If you drive your car more frequently, your rates can be raised, so always ensure you fully understand your policy.

Ready to Get an Estimate? Call CO Insurance Specialist Today

If you’re ready to get help finding the ideal classic car insurance policy to meet your needs, the CO Insurance Specialist, serving the greater Wheat Ridge, CO region, is here to help you. Call us today, and let us provide you with an estimate.

Will My Auto Policy Cover a Single Vehicle Accident?

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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.

Protect Your Classic Car While It Is Being Transported

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Owning a classic car requires responsible transport efforts when moving your vehicle to a new location. Consider the following topics, and then choose add-on coverage to include in your existing classic car insurance policy.

Assessing Your Vehicle

First, consider the value of your classic car. Assess the frequency with which you operate or tow your vehicle. These variables will assist in determining how much add-on coverage to include in your classic car insurance policy. If you use your vehicle frequently, the risk of being involved in an accident or enduring theft or vandalism will increase.

Choosing Towing Essentials

Inspect the weight and body style of your classic car. Choose towing equipment that will maintain the condition of your vehicle while it is being transported. The towing essentials you invest in should include tow bars, straps, covers, and other accessories that will protect your vehicle while it is actively being transported.

Considering Accessory Storage Options

Consider how you will store automotive materials while transporting your classic car. Having access to a built-in toolbox or another type of storage aid will allow you to stow the gear you need for your vehicle safely. Invest in storage equipment that will keep the stored materials clean and dry. If you leave your vehicle and towing equipment unattended on occasion, select storage items equipped with sturdy locking systems. Towing equipment that includes lights, electrical components, and other materials of value should also be added to your existing insurance policy.

Seeking Additional Insurance Support

The guidance that our agents at CO Insurance Specialist provide will help you keep your classic car protected. Contact one of our agents who serve the Wheat Ridge, CO region. An agent will discuss classic car insurance options with you.

Safe Driving Tips For the Whole Family

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Driving is a fact of modern life for most Americans. Cars get people from A to Z and everywhere in between. That said, vehicles move fast and are heavy. As such, car accidents can be severe, and safety is a must. We’ll provide some safety tips below. One crucial safety tip that should be mentioned upfront is that you need the right auto insurance policy. If you are looking for auto insurance in Wheat Ridge, CO, contact the CO Insurance Specialist.

Making Driving Safer With the Right Practices

First, families need to keep an eye on their cars. You should check the tires regularly to ensure they are correctly inflated and in good condition. Also, make sure brake lights, headlights, and turn signals are working. Before hitting the road, it’s also a good idea to know the weather. Rain, snow, ice, high winds, flooding, and other weather factors can increase risks.

Distracted driving has become a significant cause of car accidents in Colorado and across the United States. Don’t text and drive, and don’t get distracted by the radio, either. If you get in a car accident, you’ll surely regret it.

It’s crucial to follow the law as well. Know the local speed limits and other rules for operating motor vehicles. Tickets may result in fines and even criminal charges, but your car insurance premium may also increase.

Finally, insurance is a requirement in most states. It’s crucial to ensure that the right insurance plan adequately covers you. The right plan for one family might not be the right plan for another family, so it’s wise to work with insurance agents. If you and your family need assistance with auto insurance, contact the CO Insurance Specialist serving Wheat Ridge, CO.

If I Have an Accident with My Classic Car, Can I Repair It Myself?

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Many classic car owners take their cars to shows and discuss them with others, particularly when restoring cars themselves. The proof is in the pudding, and bragging rights come from the expertise and care that returned the car to its glory days. Your dedication to the craft is why some insurance policies allow owners to do their own repairs. If you need classic car or other insurance and live in or near Wheat Ridge, CO, contact the CO Insurance Specialist team for assistance.

Classic Car Insurance and Self Repair

Classic cars are not everyday drivers. They are unique, just like their owners. These differences are why classic car owners’ needs differ when their cars are involved in accidents and why some insurance policies cater to those needs.

Insurance companies encourage everyday vehicle owners to use preferred repair providers, but many take a different approach with classic cars. Besides allowing owners to have repairs performed at specialist shops that charge more than mainstream repair shops, classic car policies are more flexible about the cost of replacement parts because of the need for authenticity.

Some, but not all, classic car insurance providers also allow owners to repair the car themselves. Some also help locate the parts you need for the repairs. If repairing your vehicle following an accident is important to you, discuss the issue with your agent when shopping for policies so they can find the right provider.

Working with CO Insurance Specialist

The team at CO Insurance Specialist looks forward to providing classic car insurance that best suits your needs. If you live in the Wheat Ridge, CO area, call us at 720-638-0850 or stop by today, and let us care for all your insurance needs.

Insurance Coverage for A New Driver

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It is your legal responsibility to carry liability insurance when you are driving. In addition to this type of insurance, you may benefit from other types of automotive coverage. Review the tips that follow to protect yourself as a new driver.

Liability Coverage

Liability coverage protects against accidents and damage that are your fault. If you are involved in a vehicular incident, you are required to report it. Once the report has been made, a liability insurance claim will be filed.

Liability protection will handle a wide range of costs associated with vehicular accidents. A policy may cover medical bills, car repairs, and property damage repairs.

Collision Coverage

Collision coverage protects your automobile against damage. Collision coverage will reimburse you for repair costs if your vehicle is damaged during an accident.

Uninsured Coverage

Uninsured coverage protects against damage that is caused by another driver who does not have valid insurance. This type of coverage will allow you to have your automobile inspected and repaired. You will not be responsible for the costs associated with restoring your vehicle.

Roadside Assistance Coverage

Roadside assistance coverage will provide financial relief if your car breaks down alongside a road. This type of coverage will handle the cost of a tow, tire repairs, and other standard automotive services. This type of insurance is often considered an add-on type of coverage. It is a voluntary type of coverage that can be added to an existing policy.

Agent Assistance

Contact one of our Wheat Ridge, CO agents for further assistance. A CO Insurance Specialist will help you choose automotive coverage for your vehicle.

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