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.
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
- Animal and bird contact
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.