Classic Car Insurance
Overview
Classic car insurance is specifically designed to protect vintage, antique, and collectible cars. Unlike standard auto insurance, classic car insurance often includes agreed value coverage, which pays the car's appraised value in case of a total loss. This type of insurance is tailored to meet the unique needs of classic car owners, ensuring that their prized possessions are adequately protected.
Types of Coverage:
Agreed Value Coverage: Pays the full insured amount agreed upon by you and the insurer in case of a total loss, without depreciation.
Liability Coverage: Covers damages or injuries you cause to others in an accident. This includes bodily injury liability and property damage liability.
Collision Coverage: Pays for damage to your classic car resulting from a collision with another vehicle or object.
Comprehensive Coverage: Covers damage to your classic car from non-collision events like theft, fire, or natural disasters.
Uninsured/Underinsured Motorist Coverage: Protects you if you're hit by a driver without insurance or with insufficient insurance.
Spare Parts Coverage: Covers the cost of spare parts for your classic car.
Roadside Assistance: Provides services like towing, battery jump-starts, and flat tire changes if your classic car breaks down.
Factors Affecting Premiums:
Car Value: The appraised value of your classic car can impact your insurance costs.
Usage: How often and for what purposes you use your classic car can influence your premiums.
Storage: Where you store your classic car (e.g., garage, storage unit) can affect your rates.
Driving Record: Your driving history can impact your premiums.
Coverage Amount: Higher coverage limits and lower deductibles will increase your premium.
How to Get a Quote: To get a quote for classic car insurance, please visit our general insurance quote form.