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Wheat Ridge, CO 80033

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Hail Damage: What Can Really Happen

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

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

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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