You’ll need special auto insurance to protect your vehicle if you own a classic car, regularly work on it, and participate in automobile shows in or near Easton, PA. Unlike most cars, classic cars often appreciate in value as they age. Not all insurers cover classic cars, but Northeast Insurance Advisors LLC experts can help you find the best coverage for your prized vehicle.
How Does Classic Car Insurance Work?
This isn’t about getting more extensive coverage for your vehicle but about getting different coverage. It operates similarly to standard auto insurance, except you’ll get coverage based on your car’s agreed-upon value. To qualify for this coverage, you’ll need to meet the following criteria:
- The insured vehicle can’t be used daily
- It must be kept in a private garage
- You can’t have serious driving infractions on your record
- It would be best if you had other insured vehicles available for use
In addition to most auto policies’ customary collision, comprehensive, and liability sections, classic car insurance offers several unique coverage options. These include tiered mileage plans, coverage for special replacement parts, and auto show medical coverage if someone gets injured during an event where your car is showcased.
What Qualifies as a Classic Car?
Car insurers usually consider a car that’s at least 20 years old and defined as antique or vintage to be a classic car. The vehicle could also be a collector’s item, have limited production, exhibit exceptional artistry, or have sentimental value. Many classic car insurance policies cost less than regular auto policies, as insurers expect you to drive the vehicle less and pose less risk.
The important thing is to get the right coverage for your classic car. Contact the agents at Northeast Insurance Advisors LLC, serving Easton, PA, to start on your policy today.
