Do You Need Classic Car Insurance for Your Car?

If you own a classic car in Denver, CO, then you likely know just how valuable the vehicle can be. It is more than just your regular vehicle that is driven around the streets on a regular basis. You likely do not drive it very often and maybe are even taking it to car shows so you can show it off to everyone in attendance. It is something to be proud of but also to protect. Your classic car needs more than the standard type of auto insurance as a result, according to Alliance General Insurance Agency.

Since you do not drive your classic car on the road on a regular basis, having traditional auto insurance is not enough. While you should still have this type of coverage, as outlined by the state laws, you still need much more. A classic car is more valuable than a standard car and you likely do a lot of things to keep it up and maintain its beauty and build. Because of this, it makes sense to have classic car insurance that covers all of the necessary areas that standard auto insurance does not cover. You likely want to insure it for its full value if it were to be sold as well as make sure that it is protected if anything were to happen to it. 

When you own a classic car, you know you need to have more than the standard coverage. If you do not already have some in place, now is the time to get the coverage. You can reach out to us here at Alliance General Insurance Agency, serving Denver, CO, today to get a free quote for coverage. We will also review your specific needs as well as make sure that it is within your budget.

How the High Altitude of Colorado Affects Your Car

No matter where you live, the environment is going to have some effect on your auto. If you live near the beach, you’ll want to invest in regular washing and waxing to keep the salty sea air from damaging the finish and the body of your car. If you live somewhere with harsh Winters, you need to learn how to let your car warm up before you pull out of the driveway. In Colorado, it seems to be the altitude that really does a number on your vehicle if you’re not careful.

The main thing affecting your engine in Denver, CO is the lower air density. This means less compression, so all the vital components of your fuel, the nitrogen, oxygen, and argon, are being drawn into the cylinder at a lower rate than if you were closer to the coast. The difference works out to something like three to four percent power loss for every thousand feet above sea level. In Denver, at just over 5,000 feet above sea level, this would be a loss of anywhere from fifteen to twenty percent of the car’s advertised horsepower, so a 200 hp car, for instance, would only be going at about 150-170 hp. Closer to the continental divide and that number will get smaller. If you’re wondering why you can’t do zero to sixty in Colorado like you could in California, there’s your answer.

The upside:

You can go ahead and use lower octane gas in Denver, CO and it won’t make that big of a difference.

Some cars are built to work around this issue, with most newer vehicles using a fuel delivery system that accounts for differences in pressure. Fuel injection systems can negate the difference as well.

With regular maintenance and a policy through Alliance General Insurance Agency, your car won’t suffer any serious damage due to altitude. Give us a call to find out more about what we can do for your auto insurance at Alliance General Insurance Agency.

5 Tips to Teaching Teens Safe Driving Habits

Having insurance coverage from Alliance General Insurance Agency in Denver, CO will protect your teen in the event of an accident. Insurance, however, won’t reduce the risk of accidents. Safe driving increases a teen’s level of safety on the road which can help prevent accidents from occurring. The following tips can help you teach your teen safe driving habits.

Set Strict Standards

Rather than give your teens free reign to drive a vehicle after receiving their license, consider imposing driving restrictions that will encourage your children to drive responsibly to earn greater freedom. Some restrictions could include limited night driving, limited passengers (teen friends) in the vehicle, and restricting the use of cell phones while driving.

Share Family Vehicle

Consider having your teen share the use of your family vehicle as opposed to buying him a car of his own. Teens are more likely to drive responsibly in their family’s vehicle.

Impose Consequences

Depending on the teen, you may want to impose consequences for driving recklessly or breaking restrictions. Consequences could include a loss of driving privileges temporarily or restricting driving to and from certain locations during certain times.

Set the Example

If you want your teens to learn how to drive safely then show them how through example. Stay within speed limits, don’t text or talk on your cell when driving, and avoid tailgating. Be a conscientious and courteous driver. Your teen will learn to do the same. Teach your teens the importance of practicing defensive driving.

Maintain Adequate Insurance Coverage

Safe driving includes having adequate car insurance to protect yourself and others on the road. By discussing insurance options with a representative from Alliance General Insurance Agency in Denver CO, you can obtain the insurance coverage you need. Reach out to us by phone or feel free to visit our office.

Things to Consider When Comparing Auto Insurance Policies in Denver, CO

People depend on their vehicles to get them to work and around in their daily lives.  When shopping for the car insurance, the variety of options are numerous.  Most states, including Colorado, require that drivers maintain minimal liability insurance.  This, however, does not protect in situations where the driver has an accident with someone who is uninsured or underinsured.  It is also important to note that while it will cover the other driver’s car repair and medical expenses if you are at fault for an accident, it will not provide for your expenses.  You will need to determine whether a comprehensive or liability policy would be better for your situation. 

The next step is to determine the level of coverage that you need and can afford.  Serving drivers in the Denver, CO area, the professionals at Alliance General Insurance Agency can discuss the various options that are available to you.  You will also need to decide on the appropriate level of personal accident coverage. 

Many people when looking for an auto insurance policy only consider the price.  In the end, this can cost the policy-holder more money if they are not adequately covered.  You can search for a quote at Alliance General Insurance Agency before you call or visit them. Their industry knowledge enables them to show clients a variety of potential policies that will meet their needs. They will explain the provisions in collision and comprehensive policies.  Many lenders require that these types of policies are maintained when a car is financed.  In simple terms, collision covers the car’s value less depreciation.  Comprehensive policies cover all other damage not related to an accident, such as theft.  can help you get covered quickly!