Classic Car policies are very similar to regular use auto policies. However, the valuation of your classic car typically appreciates rather than depreciates. Because coverage varies greatly by insurance carrier, it is important for you to understand what coverage is needed and how it will respond in the event of a claim.
With a well-written policy, the claim payment for damage to the vehicle will be determined based on a stated or agreed value, rather than actual cash value. This means your vehicle can be protected for its true value. As your professional agent, we help you buy insurance as if we were buying it for ourselves. Paying careful attention to detail, we help analyze your risk and control your cost.
Does my car qualify for a specialty policy?
- Classic cars are usually required to be at least 15 years old. Exceptions can be made for limited edition or exotic models.
- Mileage restrictions may apply. Most classic cars are used less than 5,000 miles a year for activities such as club functions, exhibitions and occasional pleasure driving.
Good to Know!
Is your classic car registered as a historic vehicle? If so, you may be eligible for additional discounts on a Classic Auto Policy. As your trusted advisors, we review your current policy and ensure you are taking advantage of the benefits associated with owning a classic auto.