Summer Motorcycle Safety

Protecting Your Noggin

Helmet and gloves hanging from handle bars

I remember getting the opportunity to ride on the back of my grandpa’s motorcycle for the first time as a child. Traveling quickly and close to the ground without any walls or doors was such an exhilarating experience! I also remember the helmet that squished my cheeks right into my nose and eyes. At the time, I just giggled because I felt like a chipmunk, but now I understand better. That helmet was not suitable for the size of my head (which has always been pretty large) and wouldn’t have protected me as well in an accident.

Motorcycle helmets come in many different shapes and sizes because everyone has a unique noggin. Whether you like to hit the road with a sport bike or cruiser, scooter or moped; taking care of the most delicate part of your body is an essential part of preparation. Here’s a list of four things to consider when purchasing a DOT approved helmet:

But wait, what’s a DOT approved helmet?

I’m so glad you asked! According to Leather Up, the Department of Transportation (DOT) assesses each helmet by placing it on a head form that’s equipped with sensors. The helmeted head form is then dropped from a specific height onto a steel anvil, and the severity of the impact is recorded. These standards are important because they outline the minimum requirements all motorcycle helmets must meet, which has already saved countless lives. However, if you would like to get a helmet that has been tested impartially and will provide more protection, SNELL has you covered.


    1. Type of bike

      Adventure touring? Cruiser? Sport bike? Generally, adventure bikers prefer using modular helmets which allow you to raise the face shield, while cruiser riders enjoy a half-shell helmet and sport bike riders like a full face helmet that will provide great all-around protection.

According to the CDC, more than 41% of operator and passenger fatalities could have been prevented with proper helmet usage.

  1. Size/Shape of head

    There’s more to a properly-fitted helmet than just one that can slide onto your head! Check out this article from Helmet Check for an in-depth description on how to determine your head shape, size, and preference.

  2. Helmet features

    It’s important to find a properly-fitted helmet so the three to four pounds of weight are distributed evenly around your head and shoulders to reduce neck strain. Consider also whether you would like additional features like integrated sunshade, wind reduction, and communication technology.

  3. Price

    How much are you willing to pay? Generally speaking, price does not necessarily reflect quality or safety, but rather the materials used and the number of features. Good helmets can range anywhere between $40 and $900, so make sure you budget accordingly.

No matter what helmet you decide to wear, make sure you are wearing one, because your safety is number one!

Auto Insurance Commercial Auto Insurance Insurance Insurance Agent News

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.

Auto Insurance Commercial Auto Insurance Insurance

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

Auto Insurance Commercial Auto Insurance Insurance

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 Commercial Auto Insurance Insurance Insurance Agent Insurance Payment

Auto Insurance: TRUE or FALSE?

Auto Insurance: TRUE or FALSE?

Rushing to buy car insurance is like Auto Insurance Investigation is it True or Falseplaying a board game without reading the rules. While you may feel the need to be “covered” and get in the game, some of the important details may get overlooked. Not fully understanding your auto insurance can lead to further confusion and frustration later on. The more informed you are, the better choices you will make. Below are some common “TRUE or FALSE?” statements to consider when buying car insurance.

TRUE or FALSE: Everything is paid for with “full coverage.”

False! According to the, there is no such thing as full coverage auto insurance. Some policies may combine state-required liability, collision and comprehension coverage–but even with this, the details and protection will vary.

TRUE or FALSE: Get as many auto repair estimates as possible.

Sometimes true, sometimes false! This one depends on your insurance. Some insurance companies only require that you use an “in-network” auto repair shop. However, if you know you will be paying out of pocket, it won’t hurt to shop around for a good deal.

TRUE or FALSE: Getting into an accident automatically increases your premium.

False! This one also depends on your insurance and how your insurance provider determines your rate. Multiple factors such as your car and your driving history can have an effect on whether your rate increases, decreases, or stays the same.

TRUE or FALSE: I can lend my car to anyone. My insurance will cover it.

Not necessarily. If none of the parties involved have optional physical damage coverage, you might be having to pay out of pocket for any vehicle damage.

TRUE or FALSE: My new car is automatically covered by my previous auto insurance.

False! Whether you are buying a new car or simply adding another vehicle to your policy, you must notify your insurance agent. Often you have 30 days to do so.

Call Insurance Town & Country today and speak with one of our insurance professionals. We can help you review your policy and ensure you understand all the fine-print details! We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

    Name (required)

    Phone (required)

    Email (required)

    Business Name

    Auto Insurance Insurance Insurance Payment

    How Do Your Savings Stack Up?

    Are You Sure Your Getting The Right Insurance Payment

    How Insurance Payment WorksAccording to a survey by the Independent Insurance Agents and Brokers of America, about 20% of drivers just might be paying too much for car insurance. With the various driving discounts that are out there, how do you know if you are getting the savings you deserve?

    While it is best to consult with the team at Insurance Town & Country, here are a few starter questions to ask yourself when reviewing your own policy:

    Tips On How Insurance Payment Works.

    • How many vehicles do I own? Being a multi-vehicle owner could lead to more savings. Insuring your boats, motorcycles, or RVs and other toys with the same insurance payment company you have your auto insurance with can potentially help you cut down on costs.
    • Can I pay in one lump sum? If you can afford to pay your auto insurance in full, you might get a break on the final bill versus sticking to the standard monthly payments.
    • Can “going green” make me some green? Depending on the agency, opting for paperless billings may lead to even more savings. In addition to saving a tree, you might also be saving a few dollars.
    • How loyal am I? If you’ve been with the same insurance payment company for a while, you may see the benefits in extra perks and added savings.
    • Are my kids making the grades? Many insurance companies reward teen-drivers for being good students. Additionally, if your child’s good grades got them into college (and not driving your car as often), there’s a chance you can still get that discount.

    Call Insurance Town & Country today and speak with one of our insurance professionals. We can help with a policy review to determine which rates and discounts are suited for you and your family. We have offices in Denver (303–388-7216) and Castle Rock (303–688-1251).  Call us today to schedule your consultation!

      Name (required)

      Phone (required)

      Email (required)

      Business Name


      What to Do After a Car Accident

      Immediately below is an Accident Checklist or “I Had a Car Accident, Now What?” Checklist.  Print it off and keep it in your glove box (along with a pen) to help you save time, money and a lot of headache after an automobile collision.

      Car Accident Checklist

      Before you have the opportunity to get into a collision, make sure that you have your Car Accident Checklist, a disposable camera, a pen, and a pad of paper in your glove box to document the damages to your vehicle.  Then you will be more prepared for when you get unexpectedly rear-ended in traffic or someone runs a red light and T‑bones your car.  After a car accident, you will be pretty shaken-up, but it is important to remember the SEPC steps to handling a collision.

      Step 1) Stay Calm

      This may be incredibly difficult, but will help you to assess the situation and find solutions to the problems at hand, instead of making things more complicated.  Take a few deep breaths, collect yourself, comfort others in the vehicle, and start thinking about what to do next.

      Step 2) Emergencies First

      Talk to everyone else involved, start with your vehicle.  Make sure that nobody is in immediate need of first aid.  If they are, call 911 and begin working to help the injured person/people.  Check your vehicle to make sure that there is no impending danger, like a fire, fuel leaks, or environmental hazards like downed power lines. This may involve moving your vehicle to a safer area; for example, if the car accident happens in the middle of the road, pull to the side to reduce the likelihood of additional collisions.  Check on the individuals in the other vehicle/vehicles as well.  Damage can be assessed later, but reducing injury is always the top priority.

      Step 3) Pictures and Written Documentation

      Once everyone is safe, begin taking pictures of the accident and damage.  Do this before anything gets moved by the police or other driver/passengers.   After you feel like you have taken plenty of pictures, take out your pen and paper and write down what happened.  Then talk to any witnesses to the car accident and get their names, numbers, and what they saw.  Talk to the other party as well, get their names, numbers, and their account of what happened.  Even if you don’t agree with their version of the story, it is more important to get their information than to argue.  Trade insurance information and then wait for the police.

      Step 4) Cooperate with the Police

      If you called the police after Step 1, they should arrive before or shortly after completing Step 3.  It is important to provide as much information as possible, continue to remain calm, and request an accident report.  It may feel like a lot of documentation, but it is important to be as thorough as possible.  It will make processing the insurance claim easier and ultimately more quickly in addition to providing a claim or defense during a lawsuit resulting from the car accident.

      This list is also available on our website with some additional tips; you can read it by CLICKING HERE.  We have two offices located in Denver and Castle Rock for your convenience.  If you have any questions about your current auto insurance policy, bundling options, or if you need to make a claim; please call, email, or drop-in at either location listed below and one of our Insurance Specialists will gladly help you.

      Denver Office                                                             Castle Rock Office
      1735 E. 17th Ave. #3                                                    513 Wilcox St. #200
      Denver, CO 80218                                                      Castle Rock, CO 80104
      303–388-7216                                                 Phone: 303–688-1251
      Email:                        Email:


      Personal Umbrella Liability Insurance: Keeping You Dry

      In the case of a catastrophic financial event, Personal Umbrella Liability Insurance could be the best line of defense you’ll ever have.

      Sometimes in life things just go wrong. Let’s say that you get into a terrible car accident, you’re hurt, the other person is hurt, and on top of that, they decide to sue you. Your basic insurance policy might not cover all of the damages, the medical expenses, and the legal costs. That’s where personal umbrella liability insurance becomes important.

      A personal umbrella liability insurance is a customized additional policy that extends the protection of your basic insurance policies to help when a true financial crisis arises. Additionally, it may cover situations that aren’t covered at all by your basic insurance policy. Umbrella policies are meant to be flexible and match your lifestyle. You may need much more protection, depending on where you live, what you do for work, the size of your family, your hobbies, and the vehicles you drive, whether they are automobiles, boats, ATVs, or an RV. However, your current insurance policy may already provide you with a comfortable amount of coverage.  Either way, it is always a good idea to review your policy and ensure that you will be protected in the case of intense financial liability.

      We at Insurance Town and Country make it our mission to see that our clients and their families are provided with ample protection at an affordable rate.  You can learn more about our Personal Umbrella Liability Insurance, click here. If you have recently experienced a change in lifestyle or just want to make sure that there aren’t gaps in your insurance coverage, give us a call at 303–388-7216, shoot us an email at, or request a quote online.


      Commercial Auto Insurance: The Admiral of Your Fleet

      Like how an Admiral is depended to protect his fleet, Commercial Auto Insurance protects your company’s fleet in the case of an accident.  By insuring your vehicles, products, and employees with Commercial Auto Insurance, you prevent losing your hard-earned revenue due to an auto accident that causes property or vehicle damage, bodily injury, legal costs, and more.  If you have a mobile business, consider taking additional precaution with a custom plan that includes:

      • Bodily Injury Liability
      • Medical Payments
      • Personal Injury Protection (PIP) Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • GAP Coverage
      • Uninsured and Underinsured Motorist Coverage

      Let Insurance Town and Country take the wheel and guide your company through the storm.  Give us a call at 303–388-7216 or request a free quote online, today!