Collector, Classic & Antique Car Insurance
Harleysville, Perkasie & All of Southeastern Pennsylvania
Are you the proud owner of a very special car? It could be an antique, classic or collector vehicle that you put a lot of time and money to get it to its current condition or that you have even just purchased. It's obvious that you want to protect this car wherever you go. This means you need insurance, but not just any policy will do. You'll need specialty coverage designed for an antique or classic car or truck.
If you have a classic or antique vehicle, you may qualify for a classic car policy. Contact The Weimer Group today at 877.791.1707, and we'll help you enroll in coverage.
Do Classic Cars Need Coverage?
All vehicles need to be registered (tags) and insured to be driven on the road. So, yes, classic cars need insurance too, bus classic car insurance is different from a standard auto policy. Often, a classic car will have a higher value than an average vehicle. It does not get the same type or amount of drive time as the family car. So, a classic auto policy takes these things into consideration and helps provide specific values of coverage for your car!
What Qualifies as a Classic Car?
You might think of classic cars as any vehicle over ten or fifteen years old. This is not exactly the case. Classic cars are usually over a certain age but they also hold or increase their value. The right classic car policy will address these factors and will come tailored to the unique aspects of your car.
How Old Does a Car Have to be to be a Classic for Insurance?
For insurance purposes, classic cars are usually historical cars that are over 10 years old. An old-model Dodge Challenger® or Chevrolet Camaro® might fall into this category. Hot rods or well-maintained town cars might also qualify. The upkeep, maintenance and unique features of the vehicle might play a role in qualifying it as a classic car. In other words, your 15-year-old line model car might have no need for classic car insurance. However, the classic Thunderbird® you bought for a retirement gift might.
Classic Car Insurance vs. Antique Car Insurance
You might hear the terms classic car insurance and antique car insurance used interchangeably. To many, these policies might sound like the same thing. However, they are not identical. Most insurers set different rules on what cars qualify as classic, and which count as antique. Working with your agent helps get the right policy and coverage for your car!
How to Insure Classic & Antique Cars
Classic or antique car insurance usually will look a lot like any standard car insurance policy. They will have policy elements to protect your vehicle both on and off the road. Coverage might include:
Liability Insurance insures you against damage you cause others if you are at-fault in a wreck.
- Bodily injury liability (BI) coverage pays for their pain & suffering (and in some cases deaths)
- Property damage liability (PDL) insurance pays for damage to others’ property, like their car.
Collision Insurance covers damage to your own vehicle after a wreck. Most classic cars are insured using an agreed value. The settlement is unique to classic/antique cars and pays the full insured vehicle value if your car is totaled.
Comprehensive Insurance pays for vehicle damage from non-accident mishaps, like weather damage or theft losses
Medical Coverage pays for your medical bills.
Uninsured/underinsured Insurance insures you against injury caused by someone else who doesn’t have appropriate liability coverage.
Other coverage might offer help for roadside assistance or rental car reimbursements.
The policy will come tailored to the unique characteristics and value of your exceptional car. Therefore, you’ll have plenty of coverage in case you ever experience a problem.
Is It Cheaper to Insure an Antique Car?
We know you might worry about whether you can afford to purchase quality antique or classic car insurance. Some people think that just because these cars have high values, that their coverage will cost a lot more than regular car insurance. However, this does now have to be the case in your situation.
Our agents know how to get our clients valuable, yet affordable, coverage on their high-dollar assets. We understand how to help you obtain enough coverage to protect the car’s value and operating risks. However, we’ll keep it within a reasonable budget at the same time - usually less than a standard auto policy would cost.
Call us today at 877.791.1707 and we’ll be ready to help you get started. We can even offer you a fast, free quote online, right from the comfort of home.