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Fun Auto Purchase Ideas…What is a bug worth?

It’s so easy to love a bug. Check out our new value guide

Last July we told you about a new way we’re engaging with members over our shared love of cars: a resource we call the Hagerty Make/Model Price Guide. Our newest guide is all about the VW Beetle. At a time when cars were being built for power and pride, the Beetle made a huge statement by being small and driving slow. And that’s where the fun began.

Our valuebug-value guides were made using the Hagerty Valuation Tools®. It’s easy for you and members to use these tools to help when quoting Nationwide/Hagerty insurance and to keep track of how values change over time. Use it to engage and retain classic-owning members.

See the VW Beetle guide » 17_oct_hpg_beetle

Ready to discuss auto insurance options for you or your business? Contact our team today at our Denver office at 303–388-7216 or our Castle Rock office at 303–688-1251. You can also send us a message any time and we’ll get back to you as soon as possible.

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Auto Insurance Tips for the Collector Car Market

Take advantage of the collector car market that’s killing it

In the midst of the fall season, the “upper middle” market (cars valued between $250,000 and a million) continues its long slowdown. This year, only six of the 10 upper-middle vehicles Hagerty® inspected at public auctions sold, down from eight out of 10 in 2015. At this year’s Amelia Island’s Concours d’Elegance, 60% of vehicles were auctioned for less than current Hagerty Price Guide values.

But there’s another market that’s killing it right now: entry-level collector vehicles (valued at $50,000 or less). Nearly 85% of entry-level vehicles Hagerty inspected at public auctions sold this year, up from 75% two years ago, while only 20% of these vehicles sold for less than current Hagerty Price Guide values.

This translates to a huge opportunity for agents. Many members own “fun” cars (including cars from the ’80s, ’90s and 2000s) in addition to their daily drivers, most of which are insured on a standard auto policy. Protect the cars they love properly by placing them where they belong – on a collector car policy – and you’ll build loyalty and retention.

Ready to discuss auto insurance options for you or your business? Contact our team today at our Denver office at 303–388-7216 or our Castle Rock office at 303–688-1251. You can also send us a message any time and we’ll get back to you as soon as possible.

See a sampling of “fun” cars we protect »green-car

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Auto Insurance Frightful Facts from Christine

10 things that won’t kill you to know about Christine

Stephen King tachristineught us some important lessons as he ascended the throne and took his rightful place as America’s most prolific author of horror and supernatural fiction. You know, things like: don’t play any pranks on Carrie, never stay at The Shining’s Overlook Hotel (“Here’s Johnny!”), and for goodness’ sake, tread lightly when dealing with a 1958 Plymouth Fury named Christine.

King takes the classic tale of boy meets girl to frightening heights when a geeky teenager named Arnie falls head over heels in love with a red Plymouth Fury with a sketchy past. Christine falls hard for Arnie, too, which would be roses if it weren’t for one tiny detail: the car is a killing machine with a long memory and a short fuse. Moral of the story: Never underestimate the fury of a Fury that just… won’t… die.

As we hand out Halloween candy to all the miniature ghosts and goblins out there, here’s a little something for the big kids – 10 things you may not know about the original Christine movie.

Click to see and share the full list »

Auto Insurance Business Auto Commercial Auto Insurance Insurance News

What’s Fueling Colorado Car Insurance Rates?

Colorado drivers are likely asking themselves “why are my car insurance rates going up?”

Startling insurance loss trends are emerging that put Colorado in the top ten states for growth in insurance claims and costs to pay those claims.

Coloradans are now starting to see those skyrocketing costs add up to higher insurance premiums and they want to know why. Some quick facts to help you better understand Colorado’s volatile auto insurance marketplace, along with potential solutions that would benefit all Colorado drivers.

  • Bottom-line: There are more auto accidents and each accident is more likely to end up in costly litigation. 
    • Colorado ranks 4th in the U.S. for growth in number of auto insurance damage claims filed since 2013 with the 2nd highest increase in collision repair costs. Colorado insurance companies recorded a loss of nearly 18% on physical damage in 2014 (Source: Fast Track Monitoring). 
      • Traffic fatalities increased 24% from 2014 to 2016 (Source: CDOT).
    • Colorado’s damaging hailstorms cause millions of dollars in damage annually. September 2014 recorded the state’s 4th most costly hailstorm, a July 2016 Colorado Springs hailstorm resulted in the 6th most costly and 2009 the most expensive hail season with $1.4 billion in insured losses (Source: RMIIA).
    • Colorado’s “Lawsuit Tax.” It’s no coincidence that every time you turn on the TV, radio or see an RTD bus or train pass by there is another trial lawyer ad promising you that suing your insurance company will win you more money than the lottery. Unfortunately, due to Colorado’s lawsuit laws that may be true, but insurance companies aren’t the only ones paying. All Colorado drivers ultimately foot the bill for an out-of-control system pushing insurance costs and rates higher. Marketplace drivers like legislative mandates that incentivize lawsuits and exorbitant jury awards are key cost drivers. Colorado Auto Insurance

Fact Sheet: 

Ask your Colorado State Legislators to support and VOTE YES on these 4 Colorado auto insurance reform bills:

  • SB-181 “Phantom Medical Costs”: allows Colorado juries to have access to both billed and actual paid amounts for medical care to make more informed and fair settlement judgments. Juries are currently only allowed to see astronomical medical bills initially charged, but never actually paid to treatment providers. These “phantom costs” dramatically drive up damage awarded by the courts. 
  • SB-182 “Uninsured Motorists’ Double Dipping”: allows for an offset with combined coverage in a claim, so when med pay is initially paid by your insurer for medical bills that amount would go toward the total amount of a UM/UIM claim, rather than creating a situation where the settlement is more than limits paid for and creating a double dipping coverage situation. The bill would also no longer allow drivers to “stack” all the uninsured motorist policies in their household to collect multiple coverage for one uninsured motorist claim. 
  • SB-191, “Market-based Prejudgment Interest”: Colorado law mandates insurers pay 9% interest on lawsuit awards. Given that most investments don’t provide a return of 9% such a high statutory interest rate creates incentive to file a lawsuit and a disincentive to settle a lawsuit. This bill ties judgement award interest to a market-based index to reflect current economic conditions. 
  • Protection Against Vendor Lawsuits”: disallows third party vendors, such as roofers, auto body repair shops from stepping into shoes of insureds, without their knowledge or permission, to sue insurance companies under a contract that is with the policyholder. Settlements represent at least double damages and attorney fees—legal costs that are passed on to all consumers.

During the past five years, premiums collected by insurance companies can’t keep up with skyrocketing claim costs—costing all Colorado auto insurance consumers higher premiums.

Information & Resources: Property Casualty Insurers Association of America

Rocky Mountain Insurance Information Association

Auto Insurance Insurance

Get to know your Vehicle Insurance

Vehicle Thefts – The Pitfall of the Mile High City

While the city of Denver has plenty talking points to brag about, apparently vehicle theft is not one of those points. According to the National Insurance Crime Bureau, the Mile High city ranks in the top 10 on the list of metros for auto thefts with keys. This means that while most of us would think it logical to always lock our car doors, many of us are not doing so. In fact on a nationwide basis, one out of every eight car thefts last year occurred where a car was left unlocked or the keys or key fob was left inside the vehicle.

The Growing Statistics of Auto Thefts

According to the latest report from the NICB, auto thefts with keys have been a growing issue over the past several years — increasing by 31 percent — with thefts spiking in the fall and winter months. This number could possibly be on the conservative side too, considering that many people will not admit to leaving their cars unlocked or keys inside the vehicle. Even the best anti-theft technology will not help if your car is left unlocked. Thus it is not just important to having your car locked but also having a good vehicle insurance coverage that will come in handy at the most needed time of auto theft.

Below is the list of top ten metro areas for most vehicle thefts with keys from 2013–2015:

1. Las Vegas-Henderson-Paradise
2. Detroit-Warren-Dearborn
3. Atlanta-Sandy Springs-Rosewell
4. Miami-Fort Lauderdale-West Palm Beach, Fla.
5. Philadelphia-Camden-Wilmington
6. New York City-Newark-Jersey City
7. Los Angeles-Long Beach-Anaheim
8. Dallas-Fort Worth-Arlington
9. Denver-Aurora-Lakewood
10. Cleveland-Elyria

Prevention is better than Cure: The same applies to your Vehicle Insurance

Depending on your vehicle insurance, you may be covered in the case of auto theft. However, it is important to review your policy to be sure. Checking your vehicle insurance policy to make sure that valuable items stolen from the vehicle are covered by the policy could be a starting  point. Aside from securing the right insurance coverage, What else can you do?

Here are a few tips that can avert you from being a victim of Auto theft:

• ALWAYS lock your car, and take all keys with you — a small slip will cost you much.
• Set the car alarm always ‑you never know when it will come in handy.
• Keep any personal information locked up in the glove box — or take it with you when you leave the car.
• Never leave your car running unlocked. This can be tempting during the winter months, but it only takes a few seconds for a new driver to take your place.

Call Insurance Town & Country today and speak with one of our insurance professionals. We can discuss the needs of your teenage drivers and which insurance policies are best for them. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251). Call us today to schedule your consultation!

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    Frontpage Article Insurance Insurance Agent Insurance Payment Personal

    Back-to-school insurance quotes

    • Open Lowry article - Published by: Living Well in Lowry by neighbors, for neighbors (serving Lowry since 2002)
    • This article is a transcription from the Lowry newsletter by

    Insurance Town and Country: Denver’s Family Owned Insurance Broker

    As a homeowner or business owner, it’s rarely a favorite topic to discuss. It’s hardly ever the first thing you like to spend your money on, and at the same time it’s always a good idea to buy some. We’re talking about insurance.

    Joan Burkett, owner of Insurance Town and Country, says, “It’s the thing you hate to buy, but you’ll love the fact that you have it when something happens.”

    Residential Umbrella InsuranceInsurance Town and Country is a family-owned insurance business serving us in the town (Denver Metro area) and those in the country, specifically the Castle Rock area, since 1997. They are an independent insurance broker business that can shop more than 25 companies to find the best rate for your personal situation.

    Back in 1983, Joan’s husband Norman begged her to get licensed so she could help run his insurance office in Kittredge. She really didn’t want to at first because she didn’t think it was her thing. At the same time, she knew her husband was quite the sales guy and she had a knack for explaining things to people. Maybe Norm was on to something after all?

    The following decade or so proved to be trying at times, but kept Joan and her family on their toes as they rode out the ups and downs of various agencies and insurance firms. Joan is a firm believer in God and she believes everything happens for a reason. “While insurance is not my passion, it helps fund my passions. I’m truly blessed with this opportunity to support myself and help my community.”

    Joan joined forces with her middle son Jeremy in 1997, and shortly thereafter Norman passed away in 1999. Joan and Jeremy’s partnership became a blessing in disguise for her while they both mourned his loss. Jeremy wasn’t easily convinced to join the insurance business either, but it didn’t take long for them to become the perfect business partners. Jeremy’s dream at the time was a career in the NFL. After two years with the New York Giants, though, he returned home with his Mom to get things started. “it’s easier on his knees, ” jokes Joan.

    How is Insurance Town and Country different from other agencies?

    Well, someone will always answer the phone! There’s no 800 number here, it’s personal and we care. Nicole, our account manager, is amazing! If I could clone her, I would,” explains Joan.

    When you visit Joan and Jeremy for the first time, they’ll give you a broad brush review of your individual situation. “We look to see how we can save you money. We can help you understand your current coverage by explaining what you already have. And, sometimes, we even assure you that you’re best off staying put where you are.”

    Now that summer vacation is almost over, some of you will be sending kids off to college and taking an inventory of your current policies.

    Here are some things Insurance Town and Country can help you evaluate this fall.

    Did you know if your child goes to college more than 100 miles from home and does not take a car, you can save money?

    denver insurance choicesHave you considered insuring your child’s big-ticket items that he or she is taking to college?

    • When we went away to school, we may have taken a record player, or a stereo and microwave, but kids today take flat screen TC and laptops.

    Do you understand your healthcare plan? 

    • It’s no secret that the current healthcare system is very difficult for the average person to understand. Let Insurance Town and Country help you navigate the paperwork to determine what you’re really covered for.

    When was the last time you reviewed your coverage and/or your insurance carrier?

    • Joan and Jeremy encourage you to review your policies every three years (not sooner). It’s always a good idea to see how your life and needs change over time, but don’t change providers too often. The next guy might decide not to cover you at all, or you could lose valuable renewal credits.

    Have you recently gotten married?

    • You could save 20% on your insurance by combining your policies under one company.

    How can you pay just one deductible the next time it hails?

    • Make sure your home and auto is on one policy so the next time we have a major story, you only make one claim and pay one deductible for the repairs.

    Yes, insurance companies can be difficult, but you have to be at a place where you can trust your agent and your insurance company. Insurance is not simple so who you choose for an agent does matter. We are invested in getting you a good deal and we want you to have a good claim experience,” explains Joan.

    Insurance Town and Country provides a level of customer service and personal care that the larger companies simply  cannot. While it’s not a buttoned-up office, it’s Colorado-casual by design. They’re approachable and they understand the broad range of their clients, from the young to old.

    We’re small enough to know your name, but we’re big enough to meet your needs,” explains Joan.

    For more information on Insurance Town and Country, visit, or give them a call at 303–388-7216.

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      Auto Insurance Insurance Motorcycle Insurance Motorcycle Quotes


      Motorcycle Insurance

      While Denver’s recent blizzard did not bode well for motorcyclists, the city’s 70 degree days will soon return, and with it, motorcycle riding season. When the snow clears and the streets are dry, will you be ready with the proper coverage to get back on your bike?

      Regardless if you are a new rider or you’ve been cruising for years, it is important to make sure you have the insurance you need. What’s protected? Do you need liability insurance? Will damages to your bike be covered?

      Here are a few tips to help you feel confident in your insurance decision and make those long rides much more enjoyable.

      Choosing Your Coverage:Motorcycle Insurance for Reckless driving

      • Depending on the state in which you live, you may be required to have liability insurance. This would cover you if your motorcycle caused a wreck resulting in injuries or property damage for another driver. Insurance Town & Country can help you determines the requirements for Colorado drivers.
      • The liability limit chosen should be similar to that of your motorcycle insurance, allowing for like deductibles and a maximum amount the insurance company will pay.
      • In addition to liability limits, you may need to include Collision and Comprehensive coverage. This will help protect your motorcycle in the event of an accident with another vehicle or incidents like fire and theft.
      • Make sure your deductible is an amount that you can afford.

      Motorcycle Insurance for Custom Parts

      • Make note of any custom work or additional accessories that you have added to your bike. You’ll want to make sure that your motorcycle insurance includes these items in your coverage.

      Roadside Assistance

      • Insurance Town & Country can help you determine whether or not this assistance is needed. If long rides are your thing, it might nice to have that extra help in your back pocket, just in case!

      Call Insurance Town & Country today and speak with one of our insurance professionals. We can offer more tips and help ensure you have coverage for life on the road! We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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        Auto Insurance Insurance

        Tips for Buying a Used Car

        Buying a used car these days is a great cost-saving option for many car shoppers.

        buying a used car cheap car insuranceIt allows drivers the chance to own a reliable vehicle without paying full sticker cost of a brand new car. However, it is important to look into all details and inquire about any potential problems to ensure your money is being well spent.

        Below are a few questions to ask before purchasing your new USED car:

        • Previous damage? Make sure you ask about any prior accidents or flooding and the extent of any damage. Any mismatched paint or body parts, missing bolts or uneven welding, and DIY engine compartments are all “red flags” that something might be amiss. Also, be certain that the VIN (vehicle identification number) from the vehicle title matches vehicle itself.
        • Documentation of maintenance records? The previous owner should be able to provide information and even records of any work done to the vehicle.
        • Vehicle history report? Most dependable sellers will already have this available for you. If not, you can easily go to or, provide the vehicle’s VIN, and purchase the report yourself. Past owners, previous damage, mileage and title history can all be found on the vehicle history report.
        • Who is the seller? Classified ads and Craigslist-types can offer a better value sometimes, but they also can also be deceitful or unlicensed. Look for reused phone numbers within other ads (sign of an unlicensed broker) or check out other customer reviews. If you are buying from a car dealer, check with the Better Business Bureau. Doing your research ahead of time could save you from later headaches.
        • Has it been inspected? Request that a professional mechanic or body shop(one that you trust) inspects the vehicle in and out. They should be looking for any previous repairs or potential issues with the vehicle.
        • Cost of insurance? Before you make the purchase, call Insurance Town & Country to ask about cheap car insurance. How much will it cost? Do you have the right coverage? Make, model, age and condition of the vehicle can all determine your final car insurance cost. Make sure you have the one that suits your needs best.

        Call Insurance Town & Country today and speak with one of our insurance professionals. Let us help you chose the auto insurance that suits your vehicle, new or used! We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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          Auto Insurance Insurance Personal

          Weather Hazards in High Country while having Drive in Snow

          Winter Driving help

          Be prepared for hazards you may not see

          Drive in SnowWhile most of us are enjoying the early onset of spring here in Denver, the weather conditions in the high country can be unpredictable during this time of year. The chance of extreme winds, pelting rain, and blinding snow is constantly knocking at the door most especially while having a drive in snow. Even the most experienced drivers can be tested by Mother Nature’s power during a winter storm.

          In order to protect yourself, your passengers, and all vehicles on the road, we suggest these simple tips when driving in fickle mountainous climates:

          • Keep an Emergency Kit on hand. This should include at least the basics of a blanket, boots, shovel, flashlight, and some nonperishable food items.
          • Don’t slam on the brakes. Use a “toe tapping” approach when you are planning to stop or turn, especially if the roads are wet or icy.
          • Maintain a steady speed. No need to stop suddenly or speed up too quickly.
          • Stay the course if you are skidding. Your “locked” wheels will take the lead; follow this lead. Do not steer away or try to brake.

          Despite your best efforts, an accident may still occur while on a mountain trip. If you find yourself in a crash, keep in mind the following action steps. These will help to keep everyone safe while on a drive in snow and assist in letting Insurance Town and Country work through any necessary claims.

          • Don’t stress. While it may be natural to get worked up, or even start thinking irrationally, it is important to stay calm and maintain composure. Stay at the scene (but out of the way), and be sure to utilize your warning lights or road flares to alert other drivers.
          • Call 911. This is a job for the professionals. Let them do what they do best.
          • Reach out to Insurance Town and Country ASAP. Letting your insurance company know about the accident immediately will help speed up any possible resolutions.
          • Maintain innocence. Keep any ‘blame game’ comments limited to your conversation with the police and your automotive insurance company.
          • Obtain contact information. Be sure to exchange names, phone numbers, and even email addresses with any other drivers or witnesses involved.
          • Take photographs. Pictures are very useful when a claim is being settled.
          • Verify the other driver’s insurance is in effect. You can do this by calling the # on their ID card.

          Call Insurance Town & Country today and speak with one of our insurance professionals. Let us help you navigate the hazardous roads of life and work to keep your insurance costs down. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

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            Business Auto Commercial Auto Insurance

            Business Auto — Does Your Current Insurance Cover Your Hobby-Now-Turned-Business?

            Commercial Auto Insurance

            Once you find the perfect combination of doing what you love and making money, what else could you worry about? You have turned your hobby into a money-making business, and now life is good. What could go wrong?

            It is important to remember that starting a new business is a whole new venture when it comes to the rules of insurance. If you have not had previous experience with running a business, it may come as a surprise that if you are using a vehicle for business, you may be required to hold a separate auto insurance policy.

            The insurance professionals at Insurance Town and Country can help you navigate your way through these different policies as you begin to understand the unique needs of your business.

            Generally speaking, commercial auto policies should be considered when a vehicle is the following:

            • Belongs to a corporation/partnership and used for business purposes
            • Driven by employees
            • Used to haul heavy duty equipment
            • Use for pizza delivery and paper routes
            • Heavy enough to require state or federal filings

            As a general rule of thumb, vehicles that are larger have the potential to cause more damage. It is important to remember this when you are using your vehicles to clear snow or deliver baked goods.

            Better understanding your business’ needs will allow the folks at Insurance Town and Country to answer your questions as you chose a package that is best for you. Having the right commercial auto insurance policy will keep your services running as they should and provide some peace of mind.

            Call Insurance Town & Country today and speak with one of our insurance professionals. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251). Call us today to schedule your consultation, and let us help you better understand your business!

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