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CO Insurance Specialist

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

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How Many Miles Can You Drive With Classic Car Insurance?

Colorado motorists with collectible vintage or antique vehicles may benefit from a special type of auto policy known as classic car insurance. It covers the vehicle in addition to providing liability protection. However, there is usually a limit on how many miles you can drive.

Mileage Limits

Every insurance carrier is different. Some classic car policies cap yearly travel at 2,500 or 5,000 miles, but certain insurers will allow you to drive up to 7,500 or even 10,000 miles. For example, you’ll travel 3,380 miles yearly if you drive an average of 65 miles weekly.

Driving Purposes

Many insurers also have rules about using a vintage vehicle. They probably won’t allow you to deliver pizza or commute to the office in this vehicle. Some carriers will expect you to own a second non-classic car and/or a garage for storage.

An Alternative

If you want to drive your antique vehicle daily or travel very long distances, you can still insure your car with a standard auto policy. However, it would be best if you took the time to carefully examine the pros and cons of this option.

Regular car insurance may not cover the full value of your automobile. It’s designed to protect cars that depreciate over time, such as new and used vehicles manufactured within the last 20 years. You might also have to use aftermarket parts rather than original units.

When you need to insure a classic auto, turn to the friendly, knowledgeable experts at CO Insurance Specialist in Wheat Ridge, CO. Our local, independent agency benefits from more than three decades of experience in this industry. We’ll help you find the right policy for your specific vehicle and driving habits. To get started, please call the CO Insurance Specialist at 720-638-0850.

Insurance Coverage Guidelines for Frequent Travelers

If you are using your vehicle to travel a lot this summer, review some insurance guidelines that will protect you. The guidelines will protect against unforeseen damage you could encounter while traveling.


First, make sure that your insurance paperwork is in order. Your paperwork should indicate the expiration date of your coverage. Place the paperwork in a spot where it can easily be retrieved if a law enforcement official pulls you over.

Coverage Terms

Familiarize yourself with your policy’s coverage. The insurance documents will indicate the proper protocol to follow if you are involved in an incident that requires you to file an insurance claim.


If you are involved in an automobile accident, it will be in your best interest to acquire documentation supporting the insurance claim you will be filing. You should be prepared to obtain a copy of a police report if one has been filled out.

In addition, you should acquire pictures or footage that will help prove what happened during the incident. The acquired documentation will need to be submitted with your insurance claim.


If you ever decide to upgrade your vehicle, keep track of the modifications that have been made. Adding security devices or other automotive products that will keep your vehicle safe could influence the type of insurance coverage you need. 

Contact CO Insurance Specialist

Traveling frequently will require you to maintain legal insurance coverage at all times. Contact one of our agents who serve Wheat Ridge, CO. A CO Insurance Specialist will advise you about insurance coverage that will protect you during each road trip.

Investing in Classic Cars: What You Need to Know

Understanding the Investment Value of Classic Cars

Taking an interest in collecting and restoring classic cars can be a rewarding pastime that transcends ordinary hobby status. Many classic cars accrue significant value over time with careful selection and maintenance. Fast forward a couple of decades and the classic car you currently hold dear may be worth a small fortune. Surrounding this financial potential, securing suitable classic car insurance is of utmost importance. If you’re seeking an insurance agency specializing in classic car insurance and catering to Wheat Ridge, CO, look no further than the CO Insurance Specialist.

Selecting Classic Cars with Potential Appreciation Value

How do you gauge which classic vehicles will likely realize the greatest financial appreciation? It’s beneficial to tip the scales in your favor by opting for cars that are both exclusive and have notable historical or pop-cultural significance. Consider the Pontiac Firebird Trans Am, a well-loved classic that gained widespread recognition in significant media outlets, like the popular film franchise Smokey and the Bandit. The "Trans Am" aspect was an upgraded version of the standard model, adding to its rarity. Although initially sold for less than $6,000, these notable cars commonly command price tags exceeding $50,000 today. Their potential value is significant.

Safeguarding Your Classic Car Investment

If you’re leveraging classic cars as an investment strategy, proactively take steps to maintain their condition. An example would be preventing environmental damage from elements such as salt, which can expedite corrosion and rust. Consider indoor storage for your classic car in locales where winter road salting is a practice. But physical upkeep alone is not enough. Protect your investment with a classic car insurance policy, which is specifically formatted for these unique cars. Be sure to scrutinize the fine print of any such insurance plan to ascertain what’s covered and what’s not. If you need guidance in understanding the intricacies of the plan, consulting with an insurance agent like those at the CO Insurance Specialist would be beneficial.

For comprehensive classic car insurance services in Wheat Ridge, CO, the CO Insurance Specialist is ready to serve your needs. Reach out and let us help protect your classic car investment.

How Your Automobile Purchase May Affect How Much Coverage You Need

Purchasing a new vehicle will require that you obtain sufficient automotive insurance coverage. Learn how your purchase may affect the policy you will need. Then, contact a CO Insurance Specialist who serves Wheat Ridge, CO.

Vehicle Type

The type of vehicle that you purchase will reflect upon the coverage you need. A brand-new vehicle that is being financed may necessitate that you purchase a full coverage policy.

An older vehicle that has been pre-owned may only require that you carry liability insurance. Research the insurance requirements in the region you reside in. Then, use this information to guide you when shopping for a vehicle.


You will need to determine how often your vehicle will be driven. If you aren’t going to drive your vehicle daily, you may not need as much insurance coverage. A vehicle that won’t be driven much may qualify for basic insurance.

Driving Location

The areas where your vehicle will be driven will determine your risk factor. If you plan on driving on busy roadways, you may need to purchase a comprehensive insurance product. If you plan on traveling in densely populated areas, you may not be considered as much risk.

Details and Quotes

Before you meet with an agent, write down all the details that are related to your new vehicle. Compare insurance rates through several agencies. 

Get a Quote in Colorado!

Contact an agent who serves Wheat Ridge, CO, to discuss the automotive insurance coverage that you need. A CO Insurance Specialist will outline various types of automotive insurance that will provide sufficient coverage when driving your new vehicle.

Does Classic Car Insurance Cover Cars When They’re Being Restored?

Classic car enthusiasts often invest significant time and resources into restoring their vintage vehicles. If you’re pouring blood, sweat, and tears (not to mention money) into a classic car, you want to ensure it’s covered while being worked on. Here’s how classic car insurance may be able to cover a car during restoration.

Coverage During Restoration

Restoration vehicle includes when the car may be partially assembled, stored in a garage, or towed to/from service centers for specialized work. The location where it’s being worked on might be your Wheat Ridge, CO home’s garage, or somewhere else.

Some classic car insurance policies in Wheat Ridge, CO, may offer coverage during restoration. Coverage depends on a specific policy’s terms, however, and not all policies include coverage for restoration. Certain policies may offer it only as an add-on, and a few might not have this coverage at all.

When a policy does cover restoration, it usually protects the vehicle against risks like theft, vandalism, and damages. Again, what exactly is covered depends on the particular policy.

Working With a Specialized Agent

Understanding the specifics of a given classic car insurance policy usually requires detailed knowledge about these policies. At CO Insurance Specialist, we understand these policies and have helped many Wheat Ridge, CO drivers get specialized vehicle coverage. We have the expertise necessary to make sure you find the right policy for when your classic car is being worked on.

Contact us at CO Insurance Specialist today to speak with a knowledgeable agent who can assist you.

Is Luxury Vehicle Insurance Different From a Regular Auto Insurance Policy?

Have you bought a new luxury car recently? If so, you’ll find that insuring it has different parameters than most other vehicles in Wheat Ridge, CO. Luxury vehicles have additional considerations than most other vehicle types, making it difficult to find adequate coverage for high-end cars. CO Insurance Specialist can help you find a policy that will insure your expensive car at an economical amount that won’t break the bank.

Why are Luxury Vehicles More Expensive to Insure?

The answer is an easy one. If your luxury car or sedan is in an accident, it will cost more to repair or replace it. Luxury vehicles are also more likely to be stolen than other cars, which adds up in price. When involved in an accident, luxury vehicles also cost more to fix. Plus, payoff costs are considerably higher if your vehicle is totaled or stolen and isn’t recovered. All these translate to higher premiums.

Who Will Insure My Luxury Vehicle?

Not all well-known auto insurance companies will cover your luxury vehicle because they are not equipped to do so. You may need to look at other companies with the resources to cover your losses if your expensive vehicle is involved in a mishap or is stolen. Not all insurance companies will cover expensive vehicles, especially if the purchase price is $150,000 or more. You may need to work with an insurer that specializes in high-end vehicles.

CO Insurance Specialist, servicing Wheat Ridge, CO, can help you find a reliable insurance policy covering luxury vehicles to fit your needs. Although you can expect to pay more than for a typical household vehicle, you can rest assured that our services will help you find comprehensive coverage that will give you peace of mind regarding your high-end vehicle for years to come.

Can I get classic car insurance even if I drive my classic car every day in Wheat Ridge, CO?

If you own a classic car in Wheat Ridge, CO, you deserve to enjoy it. Driving a classic car is fun anyway, but with a classic car, you also get to enjoy the admiring looks as you go down the street. However, there may be good reasons not to drive a classic car daily.

Pros Of Driving Your Classic Car Every Day

The more time you spend in your classic car, the more fun you have. If your classic car is a common make like Ford or Chevrolet, it may be easy to find parts and repair your vehicle. Being out and about in your classic car also gives you more opportunities to meet like-minded people, as you can meet them anywhere.

Cons Of Driving Your Classic Car Every Day

Depending on your insurance, you may be required not to drive your classic car daily if you have opted to purchase classic car coverage. Older cars may break down more and have inferior gas mileage.

If you love your classic car, you may want to reconsider putting it through the wear and tear of daily use. Your older car will also spend more time exposed to the elements and will have more chances of being in a crash. 

Driving a classic car daily in Wheat Ridge, CO may be riskier than you want. You may not qualify for classic car insurance, meaning you would have to get a more expensive policy because of the risks of the older car. However, it is your choice, and we at CO Insurance Specialists want to make sure you are happy with what you do. Call today for any questions or to compare insurance types.

Why basic insurance may be the wrong choice for you

Basic auto insurance is the insurance mandated by the state to comply when driving in that state. At CO Insurance Specialist in Wheat Ridge, CO, we offer our customers personalized service and more choices. As independent insurance agents, we work for our customers, not for one insurance company. 

In Colorado, basic auto insurance is 25/50/15. This is liability coverage only, and it requires $25,000 for the first person injured in an accident, with a total of $50,000 for all injuries and $15,000 for damage to property. If you have a car loan or are leasing your vehicle, you will be required to have coverage on the vehicle itself since the lender or lessor has a vested interest in it. 

If your vehicle has very little value, or you would not want to repair it if damaged, then basic insurance can be right for you. But if you love your car, need your car, and have enough assets to make you an attractive candidate to get sued, then having more than basic auto insurance may be the right option. 

Increasing your liability is probably desirable for most people with assets. When repairing or replacing your vehicle, you need to carry collision and comprehensive coverage. 

  • Collision will repair or replace your vehicle if you have an accident you are responsible for or if you are the victim of a hit-and-run. 
  • Comprehensive covers theft and vandalism to your vehicle. It also covers damage from things falling on it, flooding, and other weather events. 

If you live in Wheat Ridge, CO, or nearby, you can count on our team at CO Insurance Specialist to provide a high level of service and the best possible price. 


Tips to Avoid Car Accidents and Stay Safe on the Road in Colorado

Use these tips from CO Insurance Specialists to stay safe and limit insurance claims that can drive up your premiums in Wheat Ridge, CO. Following traffic rules, maintaining your car, and avoiding distractions are just a few ways to avoid a collision.

Tips for Safe Driving in Colorado

Whether you’re a teen or veteran driver, your attitude matters when you’re behind the wheel. Focus on driving and limit time spent looking at texts, GPS, and other electronic distractions. Additionally, it’s essential always to wear your seat belt. It’s tempting to unbuckle when driving to the grocery store or on short commutes. However, the safest way to drive is always to keep your seat belt on.

If you’re a teen driver or the parent of one, remember that practice makes perfect. Besides learning laws that apply in Colorado, it’s essential to have practical experience. Many driving schools handle the stressful job of making teens safe drivers, saving parents from the stress of doing the job themselves.  

Rain, ice, and sleet can make the roads slick. However, you can practice these conditions by taking a defensive driving course and taking things slowly during storms and other weather events.

Leave your cell phone at home or tucked away. Only use it for emergencies. If you’re using GPS, consider turning on the audio to help keep your eyes on the road.

Make Sure Your Auto Insurance Covers Your Driving Habits

Want to provide your interests on the roadway? If you live and drive in the Wheat Ridge, CO area, choosing the right auto insurance policy to suit your lifestyle is important. Contact an agent at CO Insurance Specialist for a free review of your current policy and customized advice on auto insurance in Colorado.

What You Need to Know about Qualifying for Classic Car Insurance

Are you the proud owner of a vintage vehicle in Wheat Ridge, CO? Classic and collector car insurance policies are designed for cars considered rare, significant, and often only used for limited purposes. CO Insurance Specialist discusses the key criteria for determining whether a vehicle qualifies for classic car insurance.

Age and Condition

Age and condition are among the most important criteria for determining whether a car qualifies for classic car insurance. Generally, a classic car should be at least 25 years old and in good condition. There is no definition of "good condition," but it usually refers to a well-maintained vehicle, free from significant damage and with all its original parts.

Rarity and Historical Significance

Another essential factor to consider is the rarity and historical significance of the vehicle. Cars produced in limited numbers or with a unique history are often considered more valuable and thus may qualify for classic car insurance. For example, a Model T Ford from the early 1900s is considered rare and historically significant and therefore is more likely to be viewed as a classic than a 1985 Chevy Camaro.

Limited Usage

One of the defining features of a classic car policy is limited usage. These policies are designed for cars used only for limited purposes, such as car shows, exhibitions, or parades. Because these cars are typically driven less frequently, they often have lower premiums than standard policies.

To qualify for classic car insurance in Wheat Ridge, CO, your vehicle must meet specific criteria, including age, condition, rarity, historical significance, and limited usage. If you’re unsure whether your car qualifies, contact CO Insurance Specialist.

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