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Classic cars are like no other vehicles. They are classics in the truest sense, and they are beloved by car enthusiasts all over the world. If you have a classic car, you may need to get classic car insurance to cover it. This is a policy type that is written with just classic cars in mind. If you’re interested in this type of policy, call us at Miao Insurance Services in Pleasanton, CA.
Covering Your Classic Car
In California, there are two types of auto insurance that are required, so these two coverage types must be in your classic car policy. These are bodily injury liability and property damage liability. In addition to these requirements, there are several optional types of coverage that you can add to your policy. These include collision coverage, comprehensive coverage and more. These can more fully protect you against accidents and damage to your classic car.
What Is a Classic Car?
Many people wonder how you know whether your car is a classic one or not. To make it even more complicated, there is no one definition for a classic car. That’s why each insurer has its own policies and requirements for classic cars. One may require it to be 10+ years old and culturally significant while another may require it to be 25 years old.
Classic Car Insurance Costs
A classic car often goes up in value instead of down like other vehicles. With these insurance policies, you and the insurance company have to agree about what it is worth and cap the insurance at that number. The amount of coverage largely determines the cost of the insurance, but it is also affected by your age, your driving record and whether you have another vehicle or not. Insurers generally require that classic cars not be your only car and that the classic is driven only occasionally.
Cover Your Classic Car
To get classic car insurance, call us at Miao Insurance Services in Pleasanton, CA.