You’ve spent time and money customizing your car. You should customize your classic car insurance policy too, so it properly covers your collector or antique vehicle. It’s vitally important that you have the best coverage before you drive your special car to its next auto event or car show.
Most people don’t know how to properly insure collectible and classic cars
Since collectible and classic cars are valued differently by the market, you need insurance that provides different protections than “regular use” drivers. Collectible and classic cars are not assessed at true market value by way of standard insurance practices because they are usually registered as older vehicles. For this reason, you might have to pay out of pocket for replacements or repairs you’re not fully insured for, or for any gap in your coverage you weren’t aware of.
You’ve put a lot of time and effort into your vehicle. We get it. This is why we can offer you specialized coverage for classic and antique cars, replicas, reproductions, restorations, modern classic cars and modified collector cars,
When it comes to collectible and classic car insurance, a standard policy won’t do.
Collectible and classic car insurance differs from regular auto insurance because it’s customized to cover the total collectible value of your car.
You need to customize your classic car insurance the same way you customize your ride. This insurance is specialized based on the number of miles you drive every year, your car’s collectible value, and other adjustments personalized to your situation.
Unlike standard car insurance, though, you only have to pay for what you need since full-time coverage is not necessary. You will be surprised how affordable it can be to cover your collectible or classic car.
Here’s how you can qualify for collectible and classic car insurance
When it’s time to submit your insurance application, your carrier might require that we provide all or some of the below information. This way, your insurance will be in proper order should you unexpectedly have to file a claim.
- Usage: We will mold your policy to fit your driving habits because you should be able to drive your car whenever you want.
- Storage: You should store your classic car in a secure locked structure or garage. These types of storage facilities usually qualify: secure rental storage unit, barn, residential garage, plus others. Let’s discuss your preference!
- Regular-Use Vehicles: Because you don’t need to drive your special vehicle every day, insurance carriers often require that you keep “regular use” insurance under your name on a vehicle you drive every day. Normally, public transportation and motorcycles do not count as daily drivers.
- Driver Eligibility: Like other types of car insurance, driving history will matter. Bad infractions during the past 5 years – like DUI, OUI, alcohol citation, reckless driving or excessive speeding might affect eligibility, but not necessarily disqualify you. Accidents (per household) or minor traffic violations are usually acceptable.
Why We’re Different
You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.