Whether you’ve lived in Wheat Ridge, CO for a long time or you’re new to the area, you’re going to need insurance. Homeowners, renters, auto, life, and more can all be covered, but you want to make sure you’re paying a fair amount for your coverage and getting it from a company and an agent you feel comfortable with. One of the best ways to do that is to work with an independent insurance agent. They can help you get the coverage you need for a price you’re happy with and give you peace of mind in knowing you have the best insurance for your needs.

Independent insurance agents work with several different companies, so they can check the rates from all of those companies quickly and give you the information you can use to select the right policy for you. Your insurance agent can also give you advice about the policies and the companies offered, so you can decide based on more than just the cost of the coverage. While cost does matter when it comes to choosing insurance policies, it’s not the only consideration you want to address.

The reputation of the insurance company, how well they pay claims, and what kind of coverage options they have for you are all important, and all things you want to take a look at when you’re deciding on insurance coverage. With CO Insurance Specialist, you can get the Wheat Ridge coverage you need and feel confident in your choices. It’s always nice to have an independent insurance agent on your side, and one that you can talk to about your coverage and options as your needs change. New cars, a change of homes, a new baby, and all kinds of other things can mean making changes to insurance, and that can be easier through an independent agent.

Motorcycles riders in Wheat Ridge, Colorado are used to the large amounts of wildlife in their area and have learned to be wary on the road, as this can result in an accident that causes damage and minor injury at the very least, if not worse. However, deer season is an especially dangerous time, where herds of deer are prone to mindlessly cross roads directly in front of motorcyclists. If you hit one, it could mean serious injury or death, so here are some tips for motorcyclists when riding during deer season in Wheat Ridge, Colorado.

Spread Out When Riding in a Group

Motorcyclists often enjoy riding close together on the road. Don’t do this during deer season, as one of you may hit a deer or stop short to avoid hitting a deer, which will cause all of you to crash together and cause a painful, costly and dangerous accident.

Have Proper Insurance 

While it’s not inevitable, there is a higher likelihood you will hit a deer during this time of year. So make sure you have good insurance for yourself and your bike. CO Insurance Specialist can help find you a policy that works for your needs, as they serve the greater Wheat Ridge, CO area.

Wear a Helmet

Even though it is Colorado law to at least wear a partial helmet, many motorcycle riders break the rules, because that’s part of riding a motorcycle. Yet if you hit a deer without a helmet, you’re most likely going to be badly injured if not killed.

One Deer Often Means Many More 

Where there is one there are often others following, so keep this in mind when you see a deer a ways up in front of you.

Also, not speeding allows you to stop more quickly and have better control of your motorcycle. Just be mindful of this during deer season because you may have to stop at any time.

Contact one of our independent insurance agents at CO Insurance Specialists and let us help you find the right coverage for you.

Fall car care is critical. As the months get colder, your car needs to be well-maintained. There are some things you can do in Colorado in order to get ready. This will provide peace of mind as you drive.

Your tires need to be checked. This includes the tread depth as well as the tire pressure. It is a good idea to keep a gauge in your glove box so that you can check the PSI from time to time. You may also want to consider winter tires so you are better prepared to handle driving on icy roads.

You should take the time to schedule an appointment with a local mechanic. This gives you the chance to have your brakes checked, your battery checked, as well as your HVAC system checked. You want to make sure that you are comfortable driving and therefore your heating system needs to be checked. While they are doing this, be sure that the defroster is working properly. It may also be a good time to have the air cabin filter replaced as well.

You will want your battery checked for corrosion and connections while at the mechanic, too. If it has been a while since it has been replaced, you may want to go ahead and do this. Winter months can be especially rough on batteries. While you are replacing things, your wiper blades should also be replaced.

Speak with your mechanic to find out about any other suggestions so that your car is prepared for the cold months ahead.

Agents at CO Insurance Specialist are prepared to help you find a policy in Wheat Ridge that makes sense for your budget and your car. Call now and let us begin searching for quotes and answering any questions you may have about a policy.