Enjoy Your Classic Ride with Confidence: Choosing the Right Insurance in Kansas

Driving an older car often carries a special thrill, especially if it’s a well-restored classic or a cherished model you’ve maintained meticulously over the years. Depending on the vehicle’s age, you might need a classic car insurance policy instead of a standard one. If you’re in Kansas, Marla Williams Agency is ready to help you find the ideal policy to meet your needs, enabling you to drive your classic car with sheer confidence and maximum enjoyment.

Typically, a car is considered a classic if it’s at least 20 years old. However, when it crosses the 40 to 45-year mark, it graduates from being a classic to an antique. If you own a vehicle that falls within the classic age range, it’s crucial to ensure it’s appropriately covered, considering that you probably use it differently from a newer model. Besides, the maintenance, parts, and overall upkeep may prove more complicated, hence the need for specialized coverage against loss or damage.

Working with a dedicated insurance agent lets you receive quotes from multiple insurers, helping you find the best protection. Our agents are also at your service to answer any questions, assist with policy adjustments, and address any concerns you may have regarding your policy. The peace of mind that comes from professional assistance is invaluable, and we understand how important it is for you to provide the best possible care for your classic car.

Contact us at Marla Williams Agency today if you’re in Kansas and seeking classic car insurance. We’ll collaborate with you to find the most suitable policy and ensure all your queries are comprehensively answered.

Classic car insurance provides specialized coverage for classic vehicles, offering protection tailored to their unique needs. Understanding the criteria for classic car status and the benefits of classic car insurance can help you secure the appropriate coverage for your prized vehicle. Different and unique factors determine what is a classic and what is not around Kansas.

Age and Condition Requirements

One of the primary factors in determining if a car qualifies as a classic is its age. Generally, vehicles 20 to 25 years old or older are considered classics. However, the exact age requirement can vary by insurer. Additionally, the car must be in good condition, often requiring restoration or maintenance to preserve its historical and aesthetic value. Unlike daily drivers, classic cars are typically kept in excellent shape and driven infrequently.

Usage and Storage Conditions

Insurance companies also consider how the vehicle is used and stored. Classic cars are usually driven sparingly, such as for exhibitions, car shows, or occasional leisure drives, rather than for daily commuting. Proper storage is crucial, with insurers often requiring that the car be kept in a secure, enclosed space like a garage to protect it from potential damage or theft.

Market Value and Rarity

The market value and rarity of the car can influence its eligibility for classic car insurance. You may have to get an appraisal to prove the car’s current value and to ensure it is adequately covered. Rarity and historical significance can also enhance a car’s status as a classic, with rare models or those with a unique history more likely to qualify.

Marla Williams Agency Is There For You

Marla Williams Agency is here for you when you need insurance information. Our services are available at Kansas locations. Call today.

A standard classic car insurance policy offers basic protection for your cherished vehicle against theft and damage. But did you know that several optional coverage types can give your classic car the comprehensive shield it truly deserves? Let’s take a closer look at these extended coverage types for classic automobiles.

Coverage for Spare Parts and Tools

Your classic car insurance is not limited to the vehicle alone. It can cover spare parts and tools. Owning additional parts and tools can come quite in handy. Hence, covering these items becomes essential. This coverage type steps in to replace or repair any stolen or damaged materials.

Coverage for Disabled Vehicle

This optional coverage can be invaluable if your classic car breaks down. The coverage pays for towing, gas, oil, and other essentials needed to revive your vehicle. If you drive your classic car long distances, having disabled vehicle coverage is worth considering.

Coverage for Vehicle Under Construction

If you’re in the process of restoring or repairing your vehicle, coverage for the vehicle under construction can be beneficial. It increases the cover amount while you restore your vehicle, protecting new and used automotive parts during the process.

Memorabilia Coverage

This coverage protects unique items like mirrors, visors, rims, emblems, and other custom parts you’ve purchased for your classic vehicle. Before opting for this coverage, it’s recommended that you inventory the memorabilia you own, record the information, and keep it with your insurance paperwork.

Reach out to the Marla Williams Agency

We just reviewed various add-on coverages to supplement your classic automobile policy. If any have piqued your interest, contact an agent at Marla Williams Agency. One of our highly experienced Kansas-based agents would be delighted to explain these classic insurance add-ons to you.

Unlike standard insurance that covers Blue Book value, a classic car insurance policy will protect the actual value of your vintage vehicle. These policies are designed to cover high-value vehicles that aren’t used for daily use. Marla Williams Agency in Kansas is here to assist you navigate this coverage.

When buying a policy, here are four priorities:

1. Choose a Policy With Agreed-Value Coverage

It’s wise to invest in an agreed-upon value policy versus an actual cash value policy to make sure you’re getting adequate coverage. Agree-value policies ensure that you won’t be compensated much less than your auto, as depreciation isn’t factored in.

2. Include Inflation Protection

Should the agreed value of your classic car be totaled, inflation protection will cover the adjusted amount. This ensures that you’ll receive a definite monetary value back rather than the original agreed-upon value.

3. Know Any Mileage Limits Included In Your Policy

Quite a few classic auto insurance policies have mileage limitations. For example, you might only be allowed to drive the vehicle within a certain number of miles during a set period to keep the policy in effect. Knowing these limitations helps ensure that you don’t go beyond them and ultimately lose coverage.

4. Get Customizations & Modifications Covered

If you make customized changes, modifications, or upgrades to your classic car, be sure to let your agent know. This allows your agent to include any increases in value to your agreed-upon value, and this can affect your bottom line payout should the vehicle get stolen, damaged, or totaled.

Let Us Help You Find the Perfect Classic Car Auto Policy

If you want to get personalized attention to put an ideal custom car insurance policy for your classic vehicle, we’re here to help. Just contact the Marla Williams Agency in Kansas, and we’ll get you the coverage you need.

 

There are a lot of reasons to own a classic car. Some people buy them because of the sense of nostalgia, reminding them of days gone by. Other people enjoy the community of classic car enthusiasts and the many fun events. Others simply like classic cars because they are beautiful. 

If you own a classic car in Kansas, you are in a special class.

You have something few people do, and you know when you drive your car that people are looking at you with envy. You obviously need insurance if you are driving on a public road in Kansas. But do you need to protect your vehicle before you have restored your vehicle to the point where you can drive it? Marla Williams Agency can answer all your questions and help you decide how much protection you need.

Classic car insurance tends to be less expensive than regular car insurance in Kansas because most people don’t drive their classic cars every day. Even when your vehicle is not on the road, there are other ways that your car could be damaged. Even if you keep your vehicle in a storage space or garage, there could be a fire or other disaster due to weather. Your vehicle could also be the victim of a crime if someone decides to vandalize your vehicle or steal it.

Consult With Us

Because of its value and because it is a motor vehicle, it is unlikely that your home insurance will cover damages if your classic car suffers damages while in storage. Even if you have not finished making your car roadworthy, you still need protection. If you have any questions or want to learn how reasonable classic car insurance can be, please call Marla Williams Agency today.

There’s no doubt about it, classic cars draw the eye and can get the heart beating. Head to a classic car show or cruise night, and you’ll often catch plenty of people taking in the sights and sounds. Many famous celebrities also own extensive classic car collections. Given how valuable these collectible cars are, you can bet they insure those collections with classic car insurance. Get in touch with Marla Williams Agency, serving Kansas, to discuss classic car insurance policies.

Yet why are classic cars so valuable in the first place? Let’s explore some possibilities.

Classic Cars Are Part of History

People simply love history, and many different types of collectible antiques are popular. Museums, likewise, have been set up largely to allow people to peer back in history. Classic cars, meanwhile, are part of automotive history. Often, the most valuable classic cars are those, like the Chevrolet C1 Corvette, that played a pivotal role in shaping automotive history. If you own such a piece of history, it’s wise to protect it with classic car insurance.

Classic Cars Reflect Culture

Check out your favorite classic movies, and there’s a good chance you’ll spot some of your favorite classic cars. The 1974 film “Gone in 60 Seconds,” featured a 40-minute car chase starring a 1971 Ford Mustang nicknamed Eleanor. At the end of the day, many cars are simply cool, and that makes classic autos classic cool.

They Can be Great Investments

No more 1967 Dodge Darts are going to be manufactured. While many tens of thousands of them were once assembled, that stock has steadily declined over the years. Rarity often pushes value up, so classic Dodge Darts and other classic cars have slowly become more valuable with time.

If you have or are looking to invest in a classic car in Kansas, you’ll want to take out classic car insurance. Contact Marla Williams Agency to learn more.

An appraisal is an expert estimate of the value of your classic car. A professional third-party appraiser researches and analyzes the condition of your car and determines its worth in current market conditions. Classic cars are unlike newer vehicles in that you may not be able to estimate their value by looking at the make and condition of the engine. The third-party appraiser will look at the interest in the old model, its rarity, history, and likely price should you sell it.

When applying for classic car insurance, having the car appraised by an expert in the same market in  Kansas is important.

Here are the roles the appraisal plays in your car insurance:

Determine the Replacement Cost

This will give a rough estimate of the value of the vehicle. It gives the insurance provider an idea of the replacement cost if you lose your car or it gets totaled in an accident. You want to make sure that the exact value of the car is captured in your replacement estimate so that you do not suffer a loss.

Get the Right Premiums

In addition, the vehicle’s value will enable us to assess the risk involved in insuring your vehicle. This helps in calculating your insurance premiums. Appraisals ensure that you are not overcharged for premiums.

Capture Your Investment in the Vehicle

Most classic cars require restoration, which can be an ongoing business. An appraisal enables you to cover the extra investment you have put into the vehicle so that it is captured in the insured value. If you continue improving the classic car, consider an appraisal before renewing your insurance policy.

Marla Williams Agency Is Here To Help!

Consider having your classic car appraised by a professional company, even if your insurance provider does not require it. When you want the right insurance cover for your classic car in Kansas, contact Marla Williams Agency for a quote and advice. Our team will guide you through the process and answer your queries.

Classic cars need special insurance coverage to protect them from risks on and off the road. However, classic car insurance is different than regular auto insurance. The insurance company bases its cover on the assessed value of the car. Additionally, some stipulations for coverage may include limiting the mileage annually. If you need classic car insurance, let the experts at Marla Williams Agency, serving the residents of Kansas, help you get the ideal coverage. 

Classic Car Coverage

Classic car coverage varies with each company. Many companies may limit the number of miles you drive each year. That’s because it’s standard practice to limit the mileage to less than 5,000 miles yearly to maintain the vehicle’s value. Not all insurance companies have a mileage limit, however. 

If you need classic car insurance, our experts can help. We can work closely with the classic car owner to determine which policies offer the best coverage. Remember that selecting the right policy is vitally important to ensure you get the best level of protection. That’s why you need our agents’ expert insight and customer support service. They know the ins and outs of classic car insurance and can make sure you understand the policy terms and conditions. 

Contact Us Today

If you want to learn more about classic car insurance or any other insurance products we offer, call or stop by the office of Marla Williams Agency. We serve the state of Kansas and will help you find the ideal coverage to provide security and peace of mind. Get the coverage you need to protect your valuable investment from accidents, theft, and other covered events.