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Colorado Insurance Blog

How is Classic Car Insurance Different Than Regular Auto Insurance?

Most classic car insurance policies offer “agreed value” coverage. That means you and the insurance company would agree to insure your vehicle for a specific value. Then if there if there is a total loss to the vehicle, that is the amount the insurance company pays. This type of policy allows you to properly insure your classic car at the true market value.

Regular auto insurance policies cover your vehicle for the “actual cash value” at the time of the loss. The insured value of your vehicle depreciates as the vehicle ages. Because of that, normal car isn’t sufficient to cover the higher value of a classic car.

Benefits to classic car insurance over “regular” car insurance:

Continue reading “How is Classic Car Insurance Different Than Regular Auto Insurance?”

Should You Keep Your Motorcycle or Boat Insured in the Off-Season?

Do I really need to insure my motorcycle in the winter?

It may seem like a good idea to cancel your motorcycle policy in the off-season, but it could cost you more in the long run. The same goes for boat, ATV, motorhome and snowmobile policies.

Most people only think about the risk they face while riding or boating. But there are plenty of things that can happen while your toy in storage.

If you insure your recreational vehicles year-round, you’ll be protected if something happens. Even in the off-season.  

Claims that could occur while a boat, ATV, snowmobile, or motorcycle is in storage:

Continue reading “Should You Keep Your Motorcycle or Boat Insured in the Off-Season?”

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