Ways To Extend The Life Of Your Car

Posted on August 31, 2015September 1, 2015 by agentinsure

There are many ways for you to extend the life of your car when you live in Wheat Ridge. Don’t assume that your car is going to last forever. However, with the right kind of care, it can last longer – and won’t cost you as much in repairs.

One of the easiest ways to extend the life of your car is to not run of the air-conditioning as often. It is important to know that the air conditioner is powered by the engine and therefore you don’t want to use it too frequently. If you can call your car down when it is parked, it will prevent you from having to use the air-conditioning nonstop when you are driving.

You should also clear out the junk in your trunk periodically. Too much weight in the trunk of your car can result in alignment issues and add unnecessary weight in the back, which can also cause issue with tires and brakes.

Another way to extend the life of your car as you drive in Wheat Ridge is to be conscious about the way you brake and accelerate. Erratic driving is going to cost you more money in fuel. This means it’s a good idea to focus on driving in a smoother way so that you can cut down on wind resistance as well.

Keep your car tuned, follow the maintenance schedule that is in the owner’s manual, and do what it takes to take care of your car. This will ensure it is around for many years to come and not sitting in the mechanic’s garage.

CO Insurance Specialist LLC is here to help you with all aspects of being a car owner. Call us today to learn more about auto insurance. Our agents can get quotes from multiple carriers to benefit you.

Tips To Stay Awake On The Roads

Posted on July 31, 2015July 30, 2015 by agentinsure

When you live in Wheat Ridge, there is a lot of traffic. In some instances, you may be driving in the snow, the rain, and various other weather elements. You need to make sure that your reaction time is as fast as possible, and you cannot do this if you all asleep at the wheel.

You may think it’s impossible to fall asleep while driving, but approximately 37% of drivers have done it. 60% have driven while they are drowsy, and these are very high percentages.

Some tips to help you stay awake while driving include:

Getting a good night’s sleep
Taking breaks when driving long distances
Split driving duties with someone else
Pull off and take a nap at a rest area

Any time that you are driving long-distance, it can be easy to fall asleep. This is because you are pushing yourself to drive more miles, and the long spans of road can lull you to sleep. Try to have someone in the car who can talk to you and keep you alert. Better yet, have a licensed driver in the car so that the two of you can trade driving responsibilities from time to time.

If you simply cannot stay awake on the road, the best tip is to not drive at all. Avoid getting behind the wheel because you never know when you could potentially fall asleep. Falling asleep is not an option. You could kill yourself or others, and it can all be avoided. Ask someone to drive you home or call a taxi – and it will lead to a safer time on the roads.

Call us at CIS today to learn about auto insurance and ensure you are well protected with an affordable policy in Wheat Ridge.

Classic Car Insurance in Wheat Ridge Colorado

Posted on April 20, 2015April 3, 2015 by agentinsure

In and around Wheat Ridge, CO you’ll see some beauties hidden under tarps in garages, sheds and barns. They’re the classic collectible cars and trucks that have been owned and maintained from father to son or daughter. You don’t want minimum liability insurance on that classic Corvette. Its a collector car, and it needs to be insured all the way around. Minimum liability coverage isn’t going to cover you if you hit a deer, or a jealous kid keys the paint. Don’t forget about uninsured or underinsured drivers either. Anything can happen once you’re out of your driveway.

We’re independent insurance agents, and we live and work in or around Wheat Ridge. We’re respected and trusted members of our communities. We’re tied in with multiple insurance companies that insure antique and classic vehicles. They can insure you by the year, by miles per year or months our of the year. We’ll even help you establish a firm value that an insurer will pay you if your classic vehicle is destroyed. Those are choices we can offer you that other agents just can’t give you. They’re not permitted to do that.

As opposed to agents from the "big three," the classic car insurance information that you get from us is objective, unbiased and free from influence from any one insurer. We want to give you choices and have you make the selections that you’re happy with so that you and that timeless classic are covered all the way around. We’ll work with you on customizing that coverage package.

Whether you’re looking at buying that 1966 GTO or already have a 1968 396 Chevelle SS, don’t hesitate to contact us. We’re happy to talk with you and put together a coverage package with you.

Hail Damage: What Can Really Happen

Posted on April 6, 2015April 3, 2015 by agentinsure

Wheat Ridge is on the western corner of Denver, Colorado. Winters can be very cold and accompanied by a lot of snow. Summers are mild. Everywhere you look, there is a lot of recreation to be had. The city has a population of around 30,000 and is growing on an annual basis.

It’s important to look at hail damage in terms of car insurance because you want to have the necessary protection. The state of Colorado mandates that all drivers have liability insurance. This covers property damage and personal injuries, but nothing having to do with the damage that stems from hail. This would require comprehensive insurance – and it’s a coverage option that can easily be added to your policy.

Hail can range in size from the size of grains of rice to the size of golf balls and larger. As these fall from the sky and land on your vehicle, it can cause a significant amount of damage including:

– Dings in car body

– Cracked windshields

– Damage to clear coat

The damage to the clear coat can have the greatest impact because it may not be seen right away. However, it is this coat that seals in the paint and prevents it from chipping away. If the paint starts to chip, the body of the car can rust, causing problems to the overall construction as well as the aesthetics.

Insurance agents can talk to you about the number of hail damage claims in Wheat Ridge over recent years. This will help you to understand the sheer extent of damage that can occur so you can get the needed protection.

Policies can be affordable, even with this coverage. Call and talk to one of our agents today and we will talk to you about hail and how to get the best policy.

Get Instant Car Insurance Quotes in Arvada, CO

Posted on January 27, 2015January 16, 2015 by agentinsure

A part of the greater Denver metropolitan area, Arvada, CO is a town with a lot going on. Not only is it a scant few miles outside the town limits of the world famous Mile High City of Denver, it has plenty of its own attractions, as well. There is its thriving historic district, two national wildlife refuges, and its center for the arts and humanities to start. In addition, Arvada has a long history as a gold mining town and was an important part of the mid-1800’s gold rush, with remnants from that time that can still be seen today. With clean air, lots of shopping and modern conveniences nearby, and gorgeous scenery, the 80002 zip code area is the place to be in Colorado.

Because the roads in and out of Arvada are often high and rocky as they lead up to and out of Denver, it is important to make sure your car has strong insurance coverage. Most Arvada drivers are familiar with the roads and can traverse them well. However, the millions of tourists Denver gets each year are not always so well-trained on these roadways. Accidents can happen to even the most experienced local driver, either from the actions of others or from icy, snowy conditions. Keeping the best, most solid car insurance coverage means protecting your interests if your car is damaged or if someone initiates a personal injury lawsuit against you.

You can go to the CO Insurance Specialist website to get instant quotes on auto insurance policies, so you can see how much extra protective coverage will cost you. You can also talk to one of our local agents in person to discuss the type of coverage that is best for you. Contact your CO Insurance Specialist agent today and get the peace of mind that comes with knowing you’re covered for any eventuality in your car.

Colorado: The 3 Levels of Learning Permits for Teen Drivers

Posted on January 12, 2015January 16, 2015 by agentinsure

Colorado is a beautiful state with plenty to see and do in it. From the staggeringly gorgeous Rocky Mountains to the famous mile high city of Denver, you will never run out of things to entertain you in this great western state. If you love the outdoors, you will find miles of hiking, mountain biking, and snowshoeing trails available year round. There is a lot of wilderness here, so you have plenty of chances to see wildlife of all kinds. The air is clean, the people are progressive-minded, and there are lots of "green" businesses to patronize. It was also listed as among the top 3 states in the nation for business by CNBC in 2010, meaning there are lots of job and entrepreneurial opportunities here.

If you’re moving to Colorado, or have recently moved there, you’re going to need some time to become accustomed to the state’s driving laws. They may be different from the state you’re leaving. This is particularly true when it comes to a teen getting a learners permit to drive, and the car insurance requirements for both teen and adult drivers.

There are three stages of licensing for beginning drivers under the age of 21 in Colorado (if you’re over 21, these stages do not apply to you, and you can just test for your regular license). The stages are:

Driver Education Permit–Teens between 15 and 15 1/2 years old can apply.

Driver Awareness Permit–Teens between 15 1/2 and 16 years old can apply.

Minor Learner’s Permit–Young people between 16 and 21 years old can apply.

Each type of permit comes with its own set of requirements for obtaining and using it. Permits are good for three years each, but the next permit may be applied for prior to that, once the teen reaches the correct age.

If you have any questions about adding a teen driver to your car insurance in Colorado, or what the coverage requirements are for adult drivers, contact one of your local CO Insurance Specialist agents to discuss it. You can also get instant auto insurance quotes online on the CO Insurance Specialist website whenever you need one.

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