Buy Antique Auto Insurance
Learn More about Insurance for Classic Cars and Exotic Cars Online
Mar 9, 2008
Standard auto insurance doesn’t provide enough coverage for a classic car or custom auto. Learn more about the unique policy coverages and discounts available for import cars, performance cars and sport cars available at classic car insurance companies.
Classic and Custom Auto Insurance Companies
Classic car insurance companies provide rates for collector cars of almost any description. If a car is collectible, chances are there’s an insurance policy that will cover it. Sports cars, high performance cars, import cars and custom autos can all be insured by a classic car insurance company.
High Performance Car Insurance Coverages
High performance cars, exotic autos and antique cars demand a specialty insurance policy to ensure vehicles have suitable protection:
- A comprehensive insurance policy for a high performance car includes physical damage coverage for perils including theft, fire, car accidents, vandalism, windstorm and more.
- Bodily injury and property damage liability insurance provides protection in case someone else or something else is damaged when the owner is driving their antique car.
- Uninsured motorist high performance car insurance provides protection in case the owner or family members of the exotic car are injured by someone who doesn’t have insurance or doesn’t have enough insurance.
- Medical payments and PIP (personal injury protection) insurance may be required and help pay for medical expenses and bodily injury for owners and family members of a high performance car.
Sport Car Insurance Coverages
Additional coverages make collector car insurance rates a little higher than standard auto policies, but provide extra coverage that’s necessary in case of a loss. Some sports car coverage “extras” include:
- Agreed value ensures that a classic car that was totally destroyed or stolen is replaced for an agreed-upon value. This is the classic coverage needed for a custom auto and defines the sports car insurance policy. Standard auto insurance policies only provide coverage for listed value, which may not reflect the market value of a sports car today.
- Windshield coverage for a classic car ensures that the glass for a sports car can be quickly replaced.
- Accessories coverage provides payment in case of a loss for extras like car covers for a custom auto.
- Towing and labor for a sports car provide coverage if a classic car beaks down.
Compare Collector Car Insurance Discounts and Rates
Compare discounts for collector car insurance from classic car insurance companies to find the best deal on insurance. Collector car insurance discounts vary by classic car insurance company but often include association discounts, security and safety discounts (like anti-lock brakes and car alarms) and completing a defensive driver course. Compare rates for collector car insurance before buying; they vary widely by type of car insured, driving record, and classic car insurance company.
Import car insurance may be part of a comprehensive high net worth insurance portfolio or it can be a stand-alone policy. Learn more about auto insurance discounts, cheap car insurance for students and auto insurance coverages online.
