Classic or Collectors Car Insurance
The truth of the matter is, we offer specialized classic car insurance coverage you just won’t find anywhere else. Our goal is to offer our clients a tailored old car insurance coverage plan that is unique as the collection in their possession; coverage which will help them protect and pass on the legacy they have worked so hard to build.
Antique Cars
Your car may be an “antique” yet it shines like a new penny. You put a lot of effort into restoring it, so you want to insure it as best as possible. Whether a Cadillac or a Chevrolet, Classic Auto Insurance has a policy tailor-made for your Antique Car.
Classic Trucks
Americans love their trucks, a true romance that’s been burning since the first Ford truck rolled off the production line. Any vehicle that evokes such passion and devotion demands the best insurance possible. Classic Auto Insurance can find the right policy for your Classic Truck.
Vintage Cars
Vintage Cars are from an era when the automobile was changing. Not just a luxury for the rich, these rolling pieces of history helped pave the way for the automobiles of today. Classic Auto understands this and has a Vintage Car insurance policy tailor-made to reflect their value.
Collector Cars
You start out with one classic and just can’t stop yourself from buying more. No matter how many cars you own, Classic Auto Insurance helps take the worry out of finding the right insurance policy for collectors with comprehensive policies tailor-made for multiple Collector Cars.
Your Collector Car Deserves Customized Coverage
If you have a classic car, pur programs have the policies you need. We offer antique and classic car insurance designed specifically to protect the unique cars that are so important to you at an affordable rate.
Classic Car Insurance Discounts
Your classic car or antique vehicle is eligible for a lot of the same discounts on insurance as “everyday” cars. For example, you may qualify for discounts if you have an anti-theft device in your car, if you take an approved defensive driver course, or if you have other auto or home insurance policies with same carrier.
Classic Car Insurance Coverage
With classic car insuranc the amount of coverage needed to repair or replace your antique or classic car is determined using it’s “actual cash value” (ACV) – also known as fair market value.
The following coverages are available (varies by state):
- Bodily Injury Liability
- Property Damage Liability
- Physical Damage to your auto (mandatory for collectible autos)
- Medical Payments
- Uninsured/underinsured motorists
- No-fault
Add Even More Collector Car Coverage Options
- For an additional premium, you may be able to add the following optional coverages for your classic car (varies by state):
- Flatbed Towing
- Trip Interruption
- Full Glass
- Spare Parts
- 24/7 Roadside Assistance when you’re stranded, you want to call someone you can depend on. Now you can include emergency roadside service for your classic or antique car. Whether it’s to add gas to your tank, fix your flat tire or unlock a door, we will send qualified service to assist you – whenever and wherever you need it.
Questions About Classic & Antique Auto Insurance
What Is Agreed Value?
Some classic auto insurance providers state the coverage amount – to repair or replace the vehicle – in a policy based on agreed value. Agreed value is typically derived from documentation like appraisals, photographs and receipts which the insurance company and policyholder use to come to an agreement on the value of the antique or classic car.
What Is the Difference Between an Antique & Classic Auto?
Carriers define an antique auto as being manufactured at least 25 years ago, and driven primarily in parades and exhibitions, and infrequently for other purposes. The Hartford defines a classic auto as a motor vehicle of the private passenger type which is 10 or more years old and may be used on a regular basis. Its value is significantly higher than the average value of other autos of the same make and model year.
Is Antique Auto Coverage Restricted to Parades & Exhibitions?
No. Antique Auto coverage is designed to cover your antique autos’ use primarily in car club activities, exhibitions, parades and other functions, it also covers you if you need to infrequently use your antique auto for other purposes.
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