There is no widely accepted standard definition for a classic car, but it is standardly a car that increases in value over time and is considered a collectible item. Classic cars are used differently than other cars – you are unlikely to take your kid to football practice in a 1964 muscle car. As an antique or classic car owner, you drive carefully and avoid unnecessary risks.
As a result, classic car insurance is often cheaper than standard car insurance because it considers how the owner is likely to use the car, and careful driving is rewarded.
What does Classic Car Insurance Cover?
Standard auto insurance provides coverage for liability, medical, and property. Washington state law requires liability coverage regardless of the vehicle’s age. However, there are other coverages you may also want to consider.
As a classic car owner, you know the struggle of finding matching parts for your car, and you want insurance that will provide specialized repairs if there is an accident.
Classic car insurance can include specialist services, such as towing and repairs for antique cars. There is also a claims process for rare parts that may otherwise be difficult to find.
Coverage can include:
- Expert bodywork
- Specialized mechanics
- Safe care transportation
- Hard-to-find parts
A classic car insurance policy treats the value of your auto differently – the value of many antique vehicles increases with the age of the automobile – and is a great way to maintain the value of your purchase.
Looking for Classic Car Coverage in Bellevue, WA?
VIP Insured can help you identify if your classic car qualifies based on various factors, including age, typical use, modifications, and more. If you are looking for expert insurance advice in the Bellevue, WA community, contact us at VIP Insured.