How Classic Car Insurance Works

Classic car insurance will provide you with expert service and coverage options that are designed specifically to meet the needs of the owners of classic cars. Some of these options may not be available with a traditional car insurance policy in Brevard, NC. At Brevard Insurance Agency Inc, we strive to provide the coverage you need regardless of the vehicle that you drive.

The most important aspect of classic car insurance is the agreed value coverage. This means that you and your insurance provider agree on the value of your classic car based on an appraisal. Several agencies that offer classic car insurance will also provide specialized coverage for things like repairs from exotic car experts and putting your car on display at an auto show.

Benefits of Classic Car Insurance

Typically, the providers of classic car insurance are familiar with providing coverage in such a specialized area and are more knowledgeable when it comes to the unique needs of someone who a classic car. Additional coverage in this area includes:

  • Auto show medical reimbursement
  • Cash settlement option
  • Increased replacement cost
  • No attendance required
  • Roadside assistance
  • Spare parts coverage

Classic car insurance policies will also typically include the most common auto insurance coverage as well, such as personal injury protection, liability, comprehensive, collision, and uninsured motorist coverage.

Classic Car Insurance Eligibility

Classic car insurance is not designed for recent model vehicles that you use daily. To be eligible for classic car insurance coverage, the car has to meet certain criteria, which may include:

  • A model at least 25 years old
  • A modern muscle car
  • An exotic car
  • A modified vehicle
  • Good condition
  • Parked in a fully enclosed, secure structure
  • Not used for commuting daily
  • Not used for racing
  • Driven no more than a specific number of miles per year

If you need classic car coverage and you are located in the Brevard, NC area, contact Brevard Insurance Agency Inc to learn about the coverage options that we have available for your classic car.