Coverage for your prized possession.
Classic car insurance for individuals and families in Central Ohio.
Your prized collector car represents a real commitment of your time and resources. We’ll help you protect your investment through specialized insurance coverage designed for classic car enthusiasts like you.
A step above your typical car insurance.
Your classic car is special to you and that’s why classic car coverage is a special category with some key differences to ordinary auto insurance policies.
A variety of coverages for collector, antique, and classic cars.
First, let’s deal with the name. Different policies may be called classic, collector, or antique car insurance. Exactly what qualifies will depend on the insurance company, but usually, such policies cover cars that are not only of a certain age but have distinctive characteristics such as being particularly rare.
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Liability Coverage
Risk Factor
The open road has its share of risks, even if you don’t drive often. At-fault accidents can leave you on the hook for resulting damage or injury.
Solution
Liability protection helps cover costs from at-fault accidents and legal risks that may follow.
Uninsured/Underinsured Motorist Coverage
Risk Factor
Some people drive even when they don’t have enough insurance - or any at all.
Solution
Protecting yourself with uninsured/underinsured coverage helps cover the gap when the other driver’s policy won’t cut it.
Comprehensive Coverage
Risk Factor
Not all damage comes from accidents. Some come from theft, vandalism, animals, or even a bouncing rock that cracks your windshield.
Solution
Comprehensive coverage is there to reimburse you for a host of risks that can happen.
Collision Coverage
Risk Factor
If you cause an accident, your liability coverage won’t cover any damage to your vehicle. It also won’t cover damage from other impacts.
Solution
Collision coverage is made to help when you collide with another vehicle or object.
Agreed Value Coverage
Risk Factor
If your classic car is totaled, the repair value of the car may not reflect the actual value to both you and the market.
Solution
Agreed Value helps to give you the agreed-upon amount in case of a total loss.
Original Parts Coverage
Risk Factor
If your pride and joy gets damaged, the parts you need for repairs may be rare, expensive, or both.
Solution
Original Parts covers you to get the right parts to keep your classic car intact and complete.
Shop of Choice Coverage
Risk Factor
Most normal auto insurance policies cover repairs only in auto shops approved by the insurance company.
Solution
Shop of Choice lets you select your trusted mechanic to work on your vehicle and still be covered by your policy.
Pay outs are based on an agreed-upon value.
The biggest difference between a classic car coverage and traditional auto insurance is that the insurance company will usually agree to a specific value of the car at the start of the policy. If the car is destroyed or damaged beyond economic repair, your payout is for this agreed-upon value, rather than the usual system of looking at the market cash value of your classic car at the time of the claim. This gives you the peace of mind of knowing you’ll get the right amount with no surprises.
Coverage for authentic parts is often guaranteed.
If the insurance company pays for repairs after a collision, your classic car policy will often guarantee to pay for necessary and authentic parts that might be excluded or exceed coverage limits with an ordinary car insurance policy.
Applies to limited use cars, not daily drivers.
One note of caution, however: many classic car policies only apply to limited usage, whether that’s a specified (low) annual mileage, or only covering trips to exhibitions and parades rather than everyday driving.
Be sure to connect with us to discuss the details of insurance for your classic, collector, or antique car. We can help to find the right policy for you!
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As an independent agency, we are here to help you find the right Classic Car Insurance coverage.
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Classic Car Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
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