Hit the open road in a classic car, and you’ll turn heads everywhere you go. But before you take your pride and joy out for a spin, make sure you have the right insurance in place. Classic car insurance is different from regular automobile insurance, so it’s important to understand what coverage you need. Zenith Insurance Group in Pinellas County offers this guide to help you get started.
What Is Classic Car Insurance?
Classic car insurance is a type of automobile insurance designed for classic, antique, and collectible cars. Unlike regular auto insurance, which is based on the actual cash value of your vehicle, classic car insurance typically uses an agreed-upon value system. This means that you and your insurer agree on a set value for your vehicle, regardless of its actual cash value.
Why Do I Need Classic Car Insurance?
If you own a classic car, it’s important to have the right insurance in place to protect your investment. Classic cars are valuable assets, and they require special care and protection. In the event of an accident or theft, you want to make sure you have the right coverage in place to protect your vehicle.
What Does Classic Car Insurance Cover?
Classic car insurance covers your vehicle in the event of an accident, theft, or other covered incident. Coverage typically includes agreed-upon value protection, as well as liability coverage. You may also have the option to add additional coverage, such as roadside assistance or emergency expense reimbursement.
How Do You Qualify for Classic Car Insurance?
To qualify for classic car insurance, your vehicle must meet certain criteria. Typically, insurers require that your vehicle be at least 25 years old and have a limited mileage restriction. Some insurers also require that you have a clean driving record and that your vehicle is used for leisure or collector purposes only. However, you need to speak with your insurer to see what specific criteria they require.
Need Classic Car Insurance in Pinellas County?
If you own a classic car, Zenith Insurance Group can help you find the right insurance to protect your investment. We offer classic car insurance policies that cover your vehicle in the event of an accident, theft, or other covered incident. Contact us today to get started.