Classic and Collector Car Insurance: Safeguarding Your Vehicle’s Value
Exclusive Savings on Classic Car Insurance
Through our partnership with American Collectors Insurance, you can enjoy a 5% discount on coverage for your classic cars, trucks, and motorcycles. Protect your prized vehicle while saving on premiums.
What Qualifies for Classic and Collector Car Insurance?
The definition of an antique, classic, or collector car may vary, but to qualify for specialized insurance, your vehicle must meet specific criteria:
- Used on a limited basis solely for
pleasure driving.
- Stored in a secure, enclosed garage.
- Not utilized for racing, timed events,
or driver education.
- Recognized for its collectible value.
If your classic car
serves as your primary mode of transportation, consider obtaining a quote for
USAA Auto Insurance instead.
Key Benefits of Classic Car Insurance
1. Agreed-Value Coverage
In the unfortunate
event of a total loss, you’ll receive the full insured value of your vehicle,
minus the deductible, without depreciation.
2. Flexible Mileage Plans
Customize your policy
to align with your driving habits. Coverage options are available for annual
mileage limits of 2,500, 5,000, or 7,500 miles in most states.
3. Coverage for Vehicle Restoration
Restoring a classic
car enhances its value, and this policy ensures coverage for hard-to-find
replacement parts and other restoration costs.
Vehicles Eligible for Coverage
1. Antique and Classic Vehicles
- Muscle cars
- Custom cars and trucks
- Vehicles undergoing restoration
2. Modified Vehicles
- Street rods
- Hot rods
- Restomods
3. Exotic Cars
- Kit and replica cars
- Street-legal, high-end luxury vehicles
- High-performance sports cars
4. Other Qualifying Vehicles
- Military jeeps
- Farm tractors
- Antique and classic motorcycles
Is Classic Car Insurance a Worthwhile Investment?
Classic cars often
appreciate in value over time. Having a policy that covers your vehicle’s full
worth is crucial. For example, if you insure a 1965 Mustang at an agreed value
of $30,000 and it gets stolen, your insurance would cover $30,000 minus any deductible.
Unlike a standard auto policy that factors in depreciation, classic car
insurance ensures you receive the full agreed value based on the car’s
condition, rarity, and features.
Why Choose Insurance Through the USAA Insurance Agency?
With over 30 years of
collaboration with American Collectors Insurance, we provide access to
knowledgeable agents who can tailor coverage to your needs. As a leading
provider of classic car insurance, American Collectors Insurance ensures
competitive pricing and top-tier service.
How Much Coverage Do You Need?
Determining your
classic car’s value is the first step. Utilize online classic car valuation tools or consult an expert at American Collectors Insurance. To speak with a
licensed agent, call 866-919-9758.
Conclusion
Classic and collector
car insurance offers essential protection by covering the true value of your
prized vehicle. With agreed-value coverage, mileage flexibility, and
restoration benefits, this policy ensures peace of mind for classic car enthusiasts.
Secure your vehicle’s worth and enjoy the drive without financial worries.
Classic Car Insurance FAQ
How much does it cost to insure a classic car?
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Several factors affect classic car insurance costs, including the car’s age, value, driving record, and deductible.
Does it matter how I store my classic car?
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Your car must be stored in a secure, enclosed structure. Acceptable options include private storage units, airplane hangars, and gated carports.
Are there any requirements for drivers to get classic car insurance?
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Drivers must have at least five years of driving experience and a clean driving record to qualify for classic car insurance.
What’s Towing and Labor for Collectors, or TLC?
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TLC is optional coverage that reimburses emergency expenses like towing if your classic car breaks down.
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