For over 30 years, CO Insurance Specialist has assisted the Wheat Ridge, CO community by offering multiple insurance policies. We are committed to providing excellent customer service to our clients. As an independent insurance agency, we are able to offer our clients a wide variety of options so that they can find the right policy for their situation.

Classic Car Insurance Misconceptions

Downtown Denver hosts multiple classic car shows during the summer. If you are a classic car owner, it’s important that you protect one of your most valuable possessions. While you are researching different coverage options, be aware that there is a lot of misinformation regarding classic car insurance being spread.  

Classic Car Policies Work The Same As Standard Policies

This is incorrect. Classic car insurance policies take different factors into consideration, including the number of times you drive the car during a calendar year, whether the car is primarily used for display at car shows, as well as storage and depreciation variables. A comprehensive policy for a classic car is more sophisticated than a traditional car insurance policy.

The Policy Only Applies To Antique Cars

This is a common misconception. You do not have to own a car from the 1940s to receive coverage. Cars that are 25 to 30 years old fit the criteria to be called classic cars. In addition to classic cars, classic motorcycles, street rods, tractors, and custom cars qualify for the policy.

Getting Coverage Is Complicated

Getting coverage is fairly simple. As long as your car is over 25 years old, primarily kept in storage, and driven on a limited basis, you should qualify for coverage. However, you will have to get your vehicle appraised to determine its actual value.

CO Insurance Specialist Will Help You Protect Your Asset

Stop by our office in Wheat Ridge, CO and we will help you find the classic car coverage that you are looking for.