Your classic car represents your commitment of time and money. Safeguard your investment with classic car insurance.
A step above your typical car insurance.
Your classic car is special to you and that’s why classic car coverage is a special category with some key differences from ordinary auto insurance policies. Each one is unique in its own right, so it’s important to get an insurance policy that meets the needs of your particular vehicle and how you plan on using it. It’s your investment—protect it.
Get coverage for all types of classic cars.
First, let’s deal with the name. Different policies may be called classic, collector, or antique car insurance. Exactly what qualifies will depend on the insurance company, but policies usually cover cars that are not only of a certain age but have distinctive characteristics such as being particularly rare. Here are different types of classic cars that you can cover with specialty insurance:
- Antique Cars (45+ Years Old)
- Classic Cars (20-40 Years Old)
- Exotic Cars (Rare Vehicles)
- Modern Collector Cars (Special Editions)
- Muscle Cars (Modified for Performance)
- Race Cars (Track Vehicles)
- Replica Cars (Self-Built Kits)
- Vintage Cars (Built Before 1925)
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Liability Coverage
Risk Factor
The open road has its share of risks, even if you don’t drive often. At-fault accidents can leave you on the hook for resulting damage or injury.
Solution
Liability protection helps cover costs from at-fault accidents and legal risks that may follow.
Uninsured/Underinsured Motorist Coverage
Risk Factor
Some people drive even when they don’t have enough insurance - or any at all.
Solution
Protecting yourself with uninsured/underinsured coverage helps cover the gap when the other driver’s policy won’t cut it.
Comprehensive Coverage
Risk Factor
Not all damage comes from accidents. Some come from theft, vandalism, animals, or even a bouncing rock that cracks your windshield.
Solution
Comprehensive coverage is there to reimburse you for a host of risks that can happen.
Collision Coverage
Risk Factor
If you cause an accident, your liability coverage won’t cover any damage to your vehicle. It also won’t cover damage from other impacts.
Solution
Collision coverage is made to help when you collide with another vehicle or object.
Agreed Value Coverage
Risk Factor
If your classic car is totaled, the repair value of the car may not reflect the actual value to both you and the market.
Solution
Agreed Value helps to give you the agreed-upon amount in case of a total loss.
Original Parts Coverage
Risk Factor
If your pride and joy gets damaged, the parts you need for repairs may be rare, expensive, or both.
Solution
Original Parts covers you to get the right parts to keep your classic car intact and complete.
Shop of Choice Coverage
Risk Factor
Most normal auto insurance policies cover repairs only in auto shops approved by the insurance company.
Solution
Shop of Choice lets you select your trusted mechanic to work on your vehicle and still be covered by your policy.
Payouts are based on an agreed-upon value.
The biggest difference between classic car coverage and traditional auto insurance is that the insurance company will usually agree to a specific value of the car at the start of the policy. If the car is destroyed or damaged beyond economic repair, your payout is for the agreed-upon value, rather than looking at the market cash value of your classic car at the time of the claim. This gives you the peace of mind of knowing you’ll get the agreed-upon amount with no surprises.
Coverage for authentic parts is often guaranteed.
As a car collector, you want parts that are made just for your vehicle. That’s why having classic car insurance is essential, as it goes beyond traditional auto insurance when it comes to guaranteeing coverage for authentic parts. If the insurance company pays for repairs after a collision, your classic car insurance policy may guarantee to pay for necessary and authentic parts that might be excluded or exceed coverage limits with an ordinary auto insurance policy.
Covers limited use cars, not daily drivers.
When it comes to deciding if you should get classic car insurance, one thing to consider is that many policies only apply to limited usage. That could mean anything from specified (low) annual mileage, or only covering trips to exhibitions and parades rather than everyday driving. Depending on how much you drive your classic car and the policy you choose, it may fit your specific needs.
Do you own a classic car? If so, you need classic car insurance to help protect your ride and your investment. Contact us to go over the coverage options unique to your vehicle.
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