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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.

Tips for Choosing the Right Condo Insurance

Living in a condo makes life simpler in many ways. Condo owners are less responsible for maintaining the grounds and building upkeep than those living in a separate home. However, that simplicity causes some complications since you and the condo association share responsibility for insuring the condo.

If you have questions about your condo insurance and live in the Wheat Ridge, CO area, our CO Insurance Specialist is ready to help.

Top Condo Insurance Tips

The first tip in selecting the right condo insurance coverage is to review your HOA’s master policy to determine if it is "bare walls-in" or "all-in." "Bare walls-in" policies do not cover anything inside the walls of your condo, while "all-in" covers your interior walls, appliances, flooring, and lighting. Your condo insurance should cover everything the HOA policy doesn’t handle.

Higher Deductibles

Like all insurance, you can save money by having higher deductibles. However, you should have the cash on hand to cover the deductibles if you make a claim.

Inventory Your Belongings

To avoid underestimating the value of your possessions, inventory your belongings and obtain appraisals for jewelry and other valuables so your insurance covers the property’s full value.

Landlord Rider

If you rent the condo during parts of the year, add a landlord rider to your policy to protect against damage caused by renters.

Umbrella Coverage

Your condo and other insurance policies have liability limits. If you are retired, consider obtaining an umbrella policy to protect your assets against liability claims.

Working with CO Insurance Specialist

CO Insurance Specialist proudly serves the Wheat Ridge, CO, area. We’ll help you structure an insurance plan that works for you, including your condo coverage. Visit the office or call us today at 720-638-0850 to ensure you are protected.

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.

Should You Notify Your Home Insurance Company If You’ve Installed a Security System or Security Features?

Benefits of Enhancing Your Home’s Security System

Taking the initiative to enhance your home’s security with modern systems or features is a pragmatic move towards safeguarding your property and loved ones. But have you considered the potential impacts these upgrades can have on your home insurance? The CO Insurance Specialist, serving the greater Wheat Ridge, CO area, offers insights on this critical aspect.

Why You Should Alert Your Insurance Company About Security Upgrades

Commonly, insurance companies provide discounts for households equipped with robust security systems or additional security features. Notifying your insurer about your security improvements can lead to both premium discounts, resulting in savings on insurance costs, and more favorable coverage terms. With increased protection also comes decreased risk, which can positively influence your insurer’s risk assessment of your home.

When to Notify Your Home Insurance Company

Once your improved security system or features are installed and operational, it’s wise to contact your insurance company. Prompt notification allows your insurer to adjust your policy and consider any discounts or coverage enhancements tied to your security upgrades. If your home underwent security system improvements after your insurance policy’s last renewal, it’s essential to communicate these changes at the next renewal. Timely notification paves the way for policy and premium adjustments based on the improved security features.

While not mandatory, notifying your home insurance company about security enhancements holds numerous benefits. At CO Insurance Specialist, we dedicate ourselves to educating homeowners in the Wheat Ridge, CO area about intelligent insurance choices. Contact us today to learn how your security upgrades can benefit your home insurance policy.

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.

Does Condo Insurance Extend to Renters?

Unraveling Coverage: Does Condo Insurance Extend to Renters?

In the heart of the greater Wheat Ridge, CO region, CO Insurance Specialist stands as a beacon for comprehensive insurance insights. If you own a condo, you may wonder if your condo insurance extends to renters. Here’s the information you need to know about this specific question.

Condo Insurance Basics

Condo insurance, a protective shield for unit owners, traditionally blankets the physical structure, embracing walls, floors, and ceilings. It generously covers personal property and extends its arms with liability coverage, creating a safety net for accidents within the condo’s confines.

Coverage for Renters: Bridging the Gap

While condo insurance graciously safeguards the unit owner’s interests, its embrace may not fully envelop renters. For those leasing, the wise path is to secure their protective mantle – renters insurance. This policy serves as a guardian, shielding personal belongings and standing guard against potential liability concerns.

Importance of Renters Insurance: A Vital Safeguard

For tenants, renters insurance emerges as a vital guardian, offering a robust shield for personal property, including furniture, electronics, and clothing. Beyond this, it extends a helping hand with liability protection, acting as a financial ally in unfortunate situations, such as accidents involving guests.

Navigating Solutions with CO Insurance Specialist

For those looking for tailored insights into condo insurance and renters insurance within the greater Wheat Ridge, CO region, the doors of CO Insurance Specialist swing wide. Our dedicated team is committed to illuminating the path with comprehensive coverage solutions personalized to your unique needs. Reach out today, dial our number, or navigate through our website for a reservoir of information, ensuring your rented space is adorned with a robust shield of confidence.

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.

Technological Advances in Commercial Insurance

Technological advances in commercial insurance have ushered in a time when artificial intelligence (AI) and big data analytics are significant risk assessment factors. Insurers in and around Wheat Ridge, CO leverage these technologies to analyze vast data, enabling more informed underwriting decisions. The ability to process and interpret complex information enhances accuracy as updates are continually put into the systems.

Streamlining Processes with Innovative Solutions

The rise of insurtech has brought forth a wave of innovation. Insurtech companies develop solutions that streamline various aspects of insurance operations. From digital platforms for policy issuance to blockchain-based smart contracts, insurtech is reshaping the landscape by enhancing efficiency and reducing operational costs.

Real-Time Data for Customized Coverage

Telematics and the Internet of Things (IoT) revolutionized how commercial insurance providers approach coverage. Businesses can now integrate devices that collect real-time data, offering insights into risk patterns and operational behaviors. This real-time data allows insurers to tailor coverage to specific needs, promoting a more personalized and responsive approach to risk management.

Immutable Records for Trustworthy Transactions

Blockchain technology grew as a transforming force in commercial insurance. Its decentralized and secure nature provides records of transactions, reducing the risk of fraud. It also improves transparency. Smart contracts automate and enforce contractual agreements, streamlining claims processing and reducing the potential for disputes.

Fortifying Defenses in the Digital Age

As businesses strongly rely on digital platforms, the need for robust cybersecurity measures in commercial insurance has grown exponentially. Insurers invest in advanced cybersecurity solutions to protect sensitive data from cyber threats. This proactive approach safeguards insurers and policyholders and bolsters trust in the digital ecosystem. 

How CO Insurance Specialist Can Help You

At CO Insurance Specialist, we can help answer questions concerning commercial insurance. We serve the Wheat Ridge, CO area. Contact us today.   

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.

Insurance Partners
  • Allied
  • Auto Owners
  • Bristol West
  • CNA
  • Hagerty
  • Hartford
  • Infinity
  • Progressive
  • Safeco
  • Secura
  • State Auto
  • Travelers