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What Wheat Ridge Drivers Need to Know About Comprehensive Auto Insurance in the Rockies

Drivers navigating vehicles through the mountainous terrain of the Rocky Mountains face unique hazards and challenges at every winding curve. Comprehensive auto insurance is crucial to protect your vehicle from these risks. Learn why you need comprehensive coverage from a Colorado insurance specialist.

Why You Need Comprehensive Auto Insurance in the Colorado Rockies

Wildlife Collisions

Collisions with local wildlife can cause significant damage to vehicles. A comprehensive insurance policy includes coverage for animal collisions, helping to offset the financial and physical damage caused during these incidents.

Falling Rocks

Driving through the steep and winding mountain roads of the Rockies often means exposure to falling rocks, tree branches, and other natural debris that can damage passing vehicles. Speak with a trusted local agent to learn how comprehensive insurance can protect you from these risks.

Severe Weather

Hail is one of the leading causes of automobile damage in Colorado. Sudden hailstorms, heavy snowfall, and icy conditions are common weather factors that make navigating mountain roads challenging. Comprehensive insurance can help cover damage caused by these severe weather events.

Mountain Travel

Colorado drivers frequently travel through mountains to reach hiking trailheads, ski resorts, and other remote areas to enjoy outdoor activities and scenic views. Drivers in Wheat Ridge, CO can feel secure knowing their vehicles are protected with an extra layer of coverage when navigating local highways and mountain roads.

Get Auto Insurance Near You

Don’t wait until it’s too late to protect your vehicle from the risks of mountain travel, wildlife collisions, theft, vandalism, and natural disasters. Contact a Colorado insurance specialist today to learn more about the benefits of a comprehensive auto insurance policy.

Classic Car Insurance vs. Regular Auto Insurance

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.

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