Collector Car InsuranceCollector Car Insurance Coverage Explained

The Collector Car Insurance policy is similar in wording and construction to the personal auto policy and has the same coverage parts.  Of course, coverage for Collector car needs to be tailored to the differences between regular, everyday autos and antique cars but many the best coverage is accomplished with carriers who have specifically adjusted the policy and practices to recognize the differences between everyday cars and the collector classics that spend most of their time in the garage waiting for a sunny day.

Americans have enjoyed a love affair with automobiles since Henry Ford made them affordable.  The freedom of the open road on a summertime jaunt is made all the nicer in a vehicle that is almost as old as you are.   It takes a special type of policy and a solid understanding of the collector car insurance to get the coverage that is uniquely suited for an old car maintained in like new condition.  Many insurance companies can provide pricing for classic and antique vehicles under the standard auto policy but they may not reflect important changes that the age of the vehicle necessitates.  One of those is the difference between the standard auto policy and the collector car insurance coverage and how they value the damage.  More on that in a minute.

It is also helpful to do business with an insurance agent that understands the your passion.  I’m a knowledgeable insurance resource with tons of practical experience helping clients with collector cars but I am also the owner of a 44 year old collector car and have learned the unique challenges of finding the right insurance a for your collector car.  Buy from me and every time you climb in I ride along as a knowledgeable and reliable resource available to you 24 hours a day to help you with your collector car insurance coverage.  Work with on collector car insurance and when you strike out for nice summer drives you will know that you have coverage tailored specifically for the unique requirements of insuring an old car.  Just any insurance won’t be good enough.  Before you even take that ride I will help you choose the best policy coverage tailored to your specific requirements.

How can I help you?  First, I am intimately familiar with the different varieties of collector car insurance including the available options that you’ll want to know about.  One big difference between true collector car insurance coverage is how we look at the cost of repair, the cost of parts, and even the valuation of your vehicle.  For the most part, your policy on a collector car should be settle losses based upon actual cost to repair.  Parts for old cars are hard to obtain and expensive when you find them so we can’t use the traditional actual cash value method of evaluation.  We’ll use a “stated limit” and this stated limit should be close to the cost of current value of your car on the open market.  We have useful tools to help determine the average value for your car and to help you set a value to insure.  Just ask and I’ll try to help.  Some carriers off a “guaranteed value” for coverage.  There will be no depreciation.  This describes the coverage we suggest for collector cars.

We quote collector car insurance coverage with quality companies that provide exceptional service when you need us most.  You can buy insurance from a life-long old car enthusiast who owns his own classic car and he also knows insurance pretty well too.  There is no sense compromising.  Buy collector car insurance and get the great advice and support of a real licensed Ohio insurance agent.  I’m in it for you and will be with you when you need the coverage and benefits of the insurance you count on for protection.

Collector Car Insurance – Coverage Options:

Bodily Injury & Property Damage Liability (BI/PD)

Uninsured Motorist (UM)

Underinsured Motorist (UIM)

Medical Payments (MP)

 Collision for Collector Cars

Comprehensive (OTC) for Collector Cars

Uninsured Motorist Property Damage (UMPD)

Towing and Road Service

Transportation Expense

No Fault (Other States)

SR22 Financial Responsibility

Financial Responsibility Bond

Other Coverage

Coverage In Canada

Coverage in Mexico

Sample Policy


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