Classic Car Insurance
All drivers and vehicles need auto insurance, and those who own specialty vehicles like classic cars need to make the additional investment in classic auto insurance. This coverage is designed to insure the specific ownership liabilities associated with these unique vehicles, which are a must more sensitive asset to insure than the average car.
You probably spent a lot of time customizing your classic car, but you shouldn’t have to spend extra time and effort trying to insure it. Garceau Insurance Agency is committed to helping every custom vehicle owner design the quality benefits that meet both their coverage needs and their cost expectations.
Call us at 906-789-0900 or request your free quote online now!
More About Classic Car Insurance
What is Classic Auto Insurance?
You can think of classic car insurance the same as you would any other auto insurance policy; it’s there to help you cover the costs of unexpected, unavoidable problems involving the vehicle you insure.
However, these policies are designed specifically for vehicles that classify as antique, classic or restored. These are vehicles like the souped-up 1950’s roadsters that you might see on the roads on pleasant spring days.
How Does Classic Car Insurance Work?
Just like with standard auto insurance, you will file a claim against classic auto insurance for vehicle damage, accident lawsuits, medical bills and other losses. However, your policy will contain specific benefits that reach beyond the limits of standard coverage to aid with unique losses associated with your particular vehicle.
Often, classic vehicles are very hard to repair or replace, and they will represent significant investments lost if problems ever occur. Classic car insurance will include the benefits that are adequate to address your financial needs following any driving issue.
What Does Classic Car Insurance Cover?
Your classic auto plan can contain many familiar benefits, such as:
Comprehensive Coverage: This provides compensation for damages to the vehicle caused by fire, wind, hail, lightning, smoke, theft, vandalism and other incidents not involving collision.
Collision Coverage: This provides compensation for damages to the vehicle caused by a collision with another vehicle or object.
Liability Insurance: This covers bodily injury and property damage you may cause someone else (like another driver) while operating the insured classic vehicle. Most states require this coverage from every driver.
Medical Payments Coverage: This covers you and your passengers’ medical bills after an accident, no matter who caused the accident.
Uninsured/Underinsured Motorist Coverage: This insurance covers damages related to an accident involving another driver who is not carrying insurance.
Roadside Assistance Coverage: This helps with trip interruption costs - such as running out of gas or needing to be towed.
However, you will need more expansive benefits that apply to classic cars, such as:
Auto Show Medical Reimbursement Coverage: This covers injuries someone may suffer at an exhibition featuring your car.
Traveling Coverage: This can cover expenses if your vehicle breaks down, such as lodging and a rental car.
No Attendance Required Coverage: This covers damages if you are away from your vehicle, such as if you leave it at a show.
Spare Parts Coverage: If you have spare parts for your vehicle, you can insure them with classic car insurance.
How Old Does A Car Have to Be to Qualify for Classic Car Insurance?
Usually, your vehicle must classify as a classic car under your state’s laws on the subject. Often, you are required to register these vehicles as classic when you buy them. Generally speaking, vehicles must be:
Speak to one of our agents to learn more about the specifics of registering or insuring a classic car.