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 »

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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    Company Changes May Affect Commercial Auto Insurance

    Commercial Auto Insurance is a vital part of any mobile business’s operations.  At Insurance Town & Country, we get to know the needs of your small business and find a customized Commercial Auto Insurance plan that makes sense and saves you money.  When creating a custom policy for your commercial automobile or automobiles, there are several coverage options. Each of the following coverages, among others, are available, Bodily Injury Liability, Property Damage Liability, Medical Payments, Comprehensive Coverage, Collision Coverage, GAP Coverage, Uninsured and Underinsured Motorist Bodily Injury Coverage, and Bailee Coverage.

    Your business may require a more specific policy addition not listed above.  We encourage anyone reviewing their Commercial Auto Insurance policy to contact us and ask questions about their coverage and coverage opportunities, because changes in your business model, recent business growth or reduction, and location/distribution may affect the type of policy or policy additions that you need.

    It is our job to make sure that you know how to thoroughly protect your business in the case of an incident.  So, give us a call at 303–388-7216 or shoot us an email at so that we can review your policy together, answer any questions you may have, provide you with an accurate quote for your company, and help you made a smart insurance decision.


    Business Owners Policy: Combine and Save

    Any business owner will tell you that keeping all of the accounts in order can be a hassle that takes valuable time away from focusing on serving the customer. A Business Owners Policy (BOP) helps lasso your company’s insurance policies into a convenient package. A BOP can also help save your company money, much like when you bundle your personal home and auto insurance. With a Business Owners Policy, your company can bundle Commercial Property Insurance, Commercial General Liability Insurance, and Crime Insurance into a single BOP, your company can even include additional coverage options based on your specific situation. Some additional coverages include:

    • Products and Completed Operations
    • Premises Liability
    • Premises Medical
    • Fire Legal Liability
    • Business Income Insurance
    • Building and Personal Property Protection
    • On-Site Equipment Insurance
    • Coverage for Inventory Loss

    While a great product for many companies, Business Owners Policies are not optimal or available for every business. If your company does not currently have a BOP, or you suspect that you may be paying too much for Business Insurance, let our Insurance Specialists put your mind at ease. Give us a call at 303–388-7216 or shoot us an email at so that we provide you with an accurate quote for your company’s specific needs.


    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!