You love taking your classic car for the occasional weekend romp or showing it off at nearby car shows. However, you may worry about whether you have sufficient insurance to cover your expenses in the event of damage or loss. Fortunately, the insurance agents at Marla Williams Agency help drivers in Kansas determine whether their car qualifies for classic car insurance and the type of protection needed to give you peace of mind.
Is Your Car a Classic Car?
Classic cars include muscle cars and hot rods. These cars have different insurance requirements than the ones you drive every day. Although there are various definitions of what makes a car “classic,” the one that matters is what your insurance company considers classic.
In general, vehicles eligible for classic car insurance include antique cars 25 to 30 years old (or older), hotrods (“souped” up vehicles), luxury vehicles, classic trucks, and muscle cars. Some insurers also cover classic motorcycles, antique tractors, and military vehicles.
How to Qualify for Classic Car Coverage
Meeting the above factors can help you qualify for specialized insurance. Since classic vehicles cost more to repair or replace, insurance providers have additional requirements regarding usage and storage.
You cannot use your classic car for everyday use. Most policies include mileage limits. When you attend car shows and auto club events, many classic car policies cover your travel back and forth as an exception to this rule.
You also need to show that you store your vehicle in a protected environment, such as an enclosed, locked, and private storage unit or garage. In addition, if you have a good driving record, you have an excellent chance of obtaining classic car insurance.
Classic Car Insurance in Kansas
While not all vehicles qualify for vintage car insurance, yours might. Contact Marla Williams Agency to speak with a knowledgeable representative. We want to help you understand and procure classic car insurance so that you don’t miss a single car show.
When you’re driving down the road and see a classic car, you can’t help but admire it. These beautiful vehicles have style and grace that is unmatched by modern cars. Owning a classic car is a dream for many people, but it comes with a price tag. Classic car insurance can be expensive, so is it worth it? In this article, we’ll explore the pros and cons of classic car insurance and help you decide if it’s right for you.
The Pros of Classic Car Insurance
There are a few things to consider when weighing the pros and cons of classic car insurance. The first is that classic cars are usually worth more than modern cars. This means that if you have a classic car, you will likely need to insure it for more money than you would a regular car. Marla Williams Agency in Kansas can help you get the coverage you need for your classic car.
Another pro of classic car insurance is that it can provide coverage for things that regular insurance doesn’t. For example, classic car insurance often includes agreed value coverage. This means that you will receive the full agreed-upon amount for your vehicle in the event of a total loss. This can be a huge benefit if your car is totaled in an accident or stolen and never recovered.
The Cons of Classic Car Insurance
Of course, there are also some drawbacks to classic car insurance. The biggest downside is the cost. Because classic cars are worth more than regular cars, they often come with a higher price tag. This means that you will likely pay more for your premium than you would for a regular car.
Another downside of classic car insurance is that it can be difficult to find. Not all insurance companies offer coverage for classic cars, so you may have to do some searching to find a policy that’s right for you.
Give Us A Call
Classic car insurance can be expensive but offers some benefits that regular insurance doesn’t. If you’re considering insuring your classic car, Marla Williams Agency in Kansas can help you get the coverage you need. Give us a call today to learn more about our classic car insurance policies.