Maybe you have an antique or collector’s car in Mesa, AZ that you want to insure. Your car is an extension of who you are as a person, so getting the right coverage is a big deal. Just as you put special care into keeping your car in pristine condition, you want a policy that dots every "i" and crosses every "t" without breaking the bank. The professionals at The Morrow Insurance Agency have put together this list of frequently asked questions to help you get started.
Classic Car Insurance FAQs
1. What Types of Cars Does Classic Car Insurance Cover?
Your agent can help you find a policy that includes your vehicle in its definition of classic cars. Here are some of the most common vehicles covered by classic car insurance:
- Antiques
- Classic cars, trucks, and military vehicles
- Exotics
- Military vehicles
- Modified vehicles, like hot rods, tuners, and lowriders
- Motorcycles and scooters
- Retired commercial vehicles, like fire trucks
- Classic tractors
- Muscle and race cars
- Kit cars and restorations in progress
2. How Much Can I Use My Antique Car Without Losing Insurance?
You cannot use your classic car for everyday use. Each policy is unique, so make sure you understand the mileage limits. In some cases, you’ll need to provide proof that your car remained garaged for a certain length of time, for example.
3. What Types of Coverage Does Classic Car Insurance Include?
Typically, minimum coverage includes liability insurance for any damage or injuries you may cause to others. Make sure to consider collision and comprehensive coverage for your classic car. This will cover theft, vandalism, and weather-related damage, among other possible incidents listed in the policy. Uninsured/underinsured motorist insurance has you covered if someone with low or no coverage hits your antique car. All these coverage options will give you peace of mind when driving or storing your classic car, truck, tractor, or another vehicle.
4. Do I Need Roadside Assistance?
Getting roadside assistance ensures that you can have your antique car repaired or towed if you break down en route to the next car show. This can save you hundreds or thousands of dollars in an emergency.
5. Which Insurance Carrier Has the Best Coverage for Me?
Contact the experienced agents at the Morrow Insurance Agency to discuss the insurance policies that would work best for your classic vehicle. We would be happy to find the right policy for your needs as you drive your antique sports car or pre-1980s truck around Mesa, AZ and beyond. Contact us today to set up an appointment for an accurate quote.
