Your classic car isn’t just any automobile; so why would you buy just any auto insurance to cover it. Think about it: if you simply register your classic car on your current insurance policy, the only consideration will be the year, make and model. Coverage limits will be assigned based solely on its age and blue book value (if that can even be determined). If you are ever in an accident with your classic car, you could wind up recovering far less than the car is actually worth with the wrong policy.
Customize your insurance policy along with your ride! The value of the vehicle, the annual mileage and other pertinent factors can be tailored to fit the individual vehicle. Whether you drive your car to all the auto shows or if your use is limited to the occasional relaxing ride, we can make sure your policy reflects your habits so you don’t over-pay. Even better, when you take out a policy on your classic car, you will be able to take advantage of an exhaustive list of low-cost additions based on the collector’s features you have added.
CLASSIC CAR INSURANCE NY COVERAGES:
Liability– In the case that you cause an accident, your insurance coverage will help pay for injuries to others and property damage. It is important to note, every state has different liability limit requirements. What if you sustain damage to your vehicle in an accident, collide with a pedestrian, or a tree falls on your car? Liability only coverage will not cover such claims. Fill in the gaps in your insurance by adding comprehensive and collision coverage.
Collision – Any damage to your automobile in the event of an accident is paid for. This includes colliding with another vehicle or with an object.
Comprehensive – You are completely covered for whatever unexpected happens unrelated to a collision. For example, theft, vandalism, fire, natural disasters, falling objects.
BENEFICIAL OPTIONAL COVERAGES INCLUDE:
*Policies can be customized to include these coverages, they are not automatically included
Roadside assistance-In the event of car failure, gas delivery, battery jump, tire change as well as other services are covered (up to a certain dollar amount).
Flatbed towing– In the event of a breakdown, towing your classic car is covered (up to a certain amount of miles).
Car show expense– In the event of a mechanical breakdown or accident, you will be covered for the car show fee and any accommodation fees (amount based on policy limit).
If you own a classic car, you need more than just standard auto insurance. You need classic car insurance NY. Classic car insurance takes into account not just the basic value of the vehicle, but its actual collectible value as well. Replacing a late model car and replacing a classic are very different propositions. Don’t let the money and time spent restoring your classic car go to waste. Get Started Today! Before the next show (or even your next drive), give yourself the safety and peace of mind that comes with having the right insurance. Call or submit the form below to be provided with a free, no-obligation quote.