Category: Classic Car Insurance

A classic vehicle needs to be insured like any other car, except for specialized coverage. Classic car insurance is designed for vehicles that fall under the vintage or antique scope. Classic policies often cover more than standard car insurance but have higher premiums. If you’re unsure if classic car insurance suits you, contact an agent at our Birdsong Agency Inc. in Snellville, GA.

What Classic Car Insurance Covers

One would want classic car insurance for their vintage vehicle because the coverage is determined by an agreed value between you and an insurance agency. The coverage will ensure that vehicle owners will get adequate coverage if there is any damage or accidents to the vehicle.

In addition, they include premiums for replacement parts for that specific vehicle. By changing vehicle parts to the same replacement quality, the car doesn’t lose any value, which can be extremely important when protecting the value of classic cars.

Lastly, classic car insurance will include emergency roadside assistance and transportation expense reimbursement. While the standard car insurance has this feature in some policies, this coverage is designed to be more careful when transporting your vehicle.

Are Premiums Higher for Classic Cars?

Premiums are often higher for classic car insurance due to the payout of accidents or replacing spare parts. In addition, some classic cars may not be accepted onto plans or have high premiums due to exceeding certain mileage limits. Before getting classic insurance for your vehicle, you’ll want to discuss coverage in detail with an agent.

How to Get the Right Coverage

A professional at our Birdsong Agency Inc. in Snellville, GA can help talk to you through specific coverage. We can help research and compare the best options for your vehicle. In addition, we can also help you determine what type of added coverage you may need. That said, all you will need to do is call.

Understanding Winter Coverage for Classic Cars

A classic car owner might be tempted to cancel all or some parts of their classic car insurance during the winter. However, this might not be the best decision. Accidents can still occur even when your classic car is in storage throughout the winter. The Birdsong Agency Inc. team, located in and around Snellville, GA, is ready and available to assist you with questions about your classic car insurance or any other coverage.

The Dilemma of Classic Car Insurance during Winter

Classic car insurance policies differ from everyday driver insurance policies. Classic car insurance usually comes at a significantly lower cost than for regular vehicles, given that classic cars have mileage restrictions. However, when these timeless beauties are stored away during winter or taken out for maintenance, owners often consider canceling some or all of their insurance.

Say you chose to cancel your comprehensive insurance. This would imply that your vehicle is not insured against theft, vandalism, or fire during that period. As an owner, it’s important to consider the storage facilities and the potential for such accidents before canceling. Moreover, homeowners’ coverage typically doesn’t cover vehicles meant for road use, even when stored in your garage.

On the other hand, if you cancel your collision coverage, your car is unprotected from accidents that could occur while moving it inside the garage, if it falls off a lift, or if something falls onto it.

Aiding Your Classic Car Insurance Needs with Birdsong Agency Inc.

Accidents are unpredictable, and classic car insurance provides coverage only when the vehicle is active. The Birdsong Agency Inc. team is committed to offering classic car insurance tailored to your needs. If you live in or near Snellville, GA, call us today at 470-268-7886 or visit us. Let us help with all your insurance needs.

Owning a classic car is a dream for a lot of people. When you own a classic car in the Snellville, GA area, you will have a fun car to drive and also an asset that can appreciate greatly in value over the years. Due to the potential value and importance of a classic car, you will always want to know that you have insurance for it. You need to get a classic car plan for various reasons. 

Ensure Vehicle and Investment is Covered

It is a good idea to have a classic car insurance plan so you can ensure your vehicle and investment are covered. When you purchase a classic car, you will be making a large investment that you will want to pay off in the future. When you invest in a classic car insurance plan, it will be designed to protect the vehicle and the collectible value. 

Liability Coverage

You also will want a classic car plan to receive liability protection. When you own a classic car, you will likely drive it sparingly. However, even if you hardly drive it, you are obligated by law to have liability insurance. When you get a full classic car plan, you will have this support to ensure you are able to remain in compliance and receive liability support. 

Reach Out To Us

If you decide that you want to buy a classic car and you are in the Snellville, GA area, you need to ensure that you get the right insurance for it. When you are shopping for a new classic car insurance policy, you can call our team with the Birdsong Agency Inc. to start your search. If you do call our team with Birdsong Agency Inc., you will get all the support you need to build a new plan. 

Classic car insurance functions much like normal auto policies with the advantage of coverage for your car’s accepted value and details including usage and storage, among others. Just like in auto covers, you’ll submit data on yourself and the classic car you want to protect. From there, you choose the policy that matches your use and financial ability.

For more details on factors that affect your policy, contact us at Birdsong Agency Inc – we happily serve the greater Snellville, GA area.

Is Theft Covered Under Classic Car Insurance?

The short answer is yes. Where auto policies are concerned, theft is theft. In some areas, it is addressed under something referred to as other than collision, while in others it is under comprehensive. In the past, some policies had it under the fire and theft clause. In most cases, nowadays, it is under comprehensive packages.

The only scenario whereby theft is not covered under this policy is when it is proven that the owner of the car was somehow involved in the theft of his own vehicle. Some people attempt these kinds of schemes to defraud insurance providers.

Some common things covered under comprehensive policies include:

• Falling objects
• Sandblast
• Animal and bird contact
• Fire
• Larceny
• Explosions
• Earthquakes

Most classic car policies have requirements for the vehicle before it can qualify for coverage. For some, the age of the car matters, while for others, it does not.

Some of the frequent requirements include but are not limited to:

• Frequency of use. The classic car should not be what you use for daily commutes.
• Regular use of cars. All the drivers in your home should have a daily driver for everyday commutes, and the classic car policy applicant must possess and maintain a regular auto cover.
• For the most part, only drivers without major infractions over the last three years can qualify.
• The area holding the car should not have much traffic. This leads to increased chances of damage.

Give Us A Call

Unless the car owner plans on defrauding the policy vendor, theft falls under classic car insurance. For more details on specific covers, contact our team of insurance experts at Birdsong Agency Inc., serving the Snellville, GA area.

Whether it’s a Ford Model T from the early 1900s or a Chevy Camaro from the 1970s, classic cars are prized possessions. And if you’re a classic car owner in Snellville, GA, you’ll want to ensure your vehicle is adequately insured.

Here’s what you need to know about classic car insurance:

Do You Need Classic Car Insurance?

The first question you might ask is, do I need classic car insurance? After all, your regular auto insurance policy might cover your classic car.

However, there are a few key reasons to get a special policy for your classic car.

Your regular auto insurance policy might not provide enough coverage for a classic car. If your vehicle is totaled, you might not get enough money to replace it with a similar model.

With classic car insurance, you can often get coverage for the total value of your vehicle. Classic car insurance can provide additional coverage for parts and labor, which can be expensive for older vehicles.

Your regular auto insurance policy might not cover you if you use your classic car for business purposes.

Birdsong Agency Inc. can help you determine if you need classic car insurance for your vehicle.

What If You Only Drive it to Shows?

If you only take your classic car out for occasional drives or to car shows, you might be able to get a limited mileage policy.

A limited-mileage policy is a type of classic car insurance that can provide coverage at a lower cost because you won’t be driving your vehicle as often.

Contact Us Today

If you’re interested in a limited-mileage policy, talk to Birdsong Agency Inc. in Snellville, GA about the available options.