Classic Car Insurance
Protect Your Ride With Great Classic Care Insurance
Imagine driving your fully restored 1965 cherry red classic Corvette to the Friday night Kannapolis Cruise-In in Kannapolis, NC. It had just finished raining. And as you are driving down Highway 29 you spin out and hit a light pole. Your classic auto worth $55,000 is now totalled. Do you have the right classic car insurance to cover this loss?
You are not hurt and you are not worried. You have your classic car listed on your personal auto insurance policy with your other vehicles.
And then to your surprise, your auto insurance company offers you about $10,000 for your loss. This is because a standard auto insurance policy will only pay the actual cash value of a vehicle. This could be a lot less than the inherent value of a classic collectors car. Do you have the extra $45,000 to cover the difference?
Because of its value, your classic car or antique car, deserves a better insurance policy than everyday car insurance can provide. Think of this: your collectible car may just register as an older vehicle on your current auto policy. If an accident occurs, you most likely will be left shorthanded when you try to replace it. Like in the scenario described above.
What Makes Classic Car Insurance Different From Regular Car Insurance?
Classic car insurance, or Antique car insurance is different from ordinary car insurance. It is geared towards the actual collectible value of your car.
It’s one thing to be able to get another car. It’s quite another to be able to replace your classic car in its current mint condition.
In the same way that you customize your ride, you can customize your classic auto insurance policy. The car’s value, the miles you need each year and more can all be adjusted for you. You might be a driver that goes to all the shows. Or you may drive only limited miles–pay for what you need.
When you insure your classic car on its own insurance policy, the low cost and the numerous collector features that can be added to your classic car’s policy will surprise you.
Classic car insurance, or antique car insurance, is available to anyone who needs to insure a car that is worth more than will be covered by a standard car insurance policy.
McMillan Insurance Agency in Kannapolis and Shelby, NC is the right place to go for your classic car insurance. We will provide the right coverage at the right price. We have several companies that write classic auto policies that will provide you with the peace of mind that your pride and joy is properly protected should a disaster occur.