Specialty Automobile Insurance
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Specialty Automobile Insurance Information
Classic cars, commonly referred to as antique cars, are more than just ordinary automobiles. After purchasing a classic car, the first thing on your mind is probably getting it out on the road to enjoy. There are, however, certain risks to take into account before taking it out for a spin, such as collisions, vandalism and other unforeseen accidents. Having a classic car insurance policy can protect you from paying significant costs related to such accidents.
What Is Classic Car Insurance?
Classic car insurance, like a common auto insurance policy, is an agreement between you and your insurer in which you pay an insurance premium in exchange for financial assistance following an accident.
Policies can vary from owner to owner, but a typical classic car insurance policy may provide benefits such as:
There are differences between a standard auto insurance policy and a classic car insurance policy, but the most significant one is agreed value coverage. In getting agreed value coverage, you and your insurer will settle on the value of your car, determined by an appraiser, and that’s how much your car will be insured for. With regular auto insurance, your insurer would most likely determine the cost of your car based on comparable models.
Who Needs It?
Classic car insurance typically deals with older, classic models of cars—some even considered to be collectibles. You will likely qualify for classic car insurance if your vehicle is:
At least 25 years old
In addition to qualifying for classic car insurance, your car should be in good condition and not used for activities such as racing or daily commuting. Classic car insurance is critically important in protecting your vehicle. If you are unsure if you qualify for classic car insurance, be sure to contact us today.
If you live near Waco, Texas, we are here to help. The determined agents at Vista Insurance will help classic car owners learn more about classic car insurance coverage so they can make the right decision on a policy for their antique cars. Don’t hesitate to reach out.
Contact us today at 254-235-8000 to learn more about your potential coverage options. We look forward to your call.