If you have a garage-only classic car, you may be surprised that you likely still need auto insurance on your vehicle. At Miao Insurance Services, we’re proud to serve Pleasanton, CA, and we’d love to talk with you about your car insurance needs. Let’s consider what you need to know about insuring your garage-only classic car.

Why Do I Need Car Insurance on My Garage-Only Classic Car?

Many people have the false assumption that they do not need car insurance on a car that they do not drive regularly, but this typically is not true. When you insure your classic car, you’re protecting your investment against issues like theft and vandalism. Sadly, classic cars are notoriously hard to recover if they’re stolen, according to Ted Saraf, the Los Angeles senior law enforcement liaison for LoJack, a company that specializes in stolen vehicle recovery systems.

Thieves aren’t the only threat to your classic car. When you purchase insurance to cover your garage-only vehicle, you’re also protecting against damage caused by natural disasters like fires and floods and other damage that can occur during storage, like problems due to garage collapse or rodent damage.

There are several types of policies for classic cars, and your insurance agent can help you determine which level of coverage is right for your needs.

Reach Out to Miao Insurance Services, Serving Pleasanton, CA

At Miao Insurance Services, serving Pleasanton, CA, our team of insurance professionals is here to give you the peace of mind that you need. Reach out to our team today to learn more about how we can help protect your classic car and meet any other auto insurance needs. 

Do you drive a classic car in Pleasanton, CA? Your Porsche 911, Dodge Charger, or Jaguar e-series may require more coverage than offered by regular car insurance alone. With the right policy, your historical or antique car will have all the coverage you need, including storage, roadside assistance, and other specialty coverage. At Miao Insurance Services, our agents can help you understand how the make, model, and condition of your car may affect your policy.

What Does Classic Car Insurance Include?

Protect your Ford Mustang or Chevy Corvette with classic car insurance. You’ll need liability and bodily injury coverage required by the state, but you should also consider adding comprehensive, collision, uninsured motorists, and other coverage. If you store your car away from home, our agents can explain the benefits of additional coverage for unforeseen damages. 

If you have a kit car or replica, work with your agent to determine the value and discuss your best coverage options.

Does Regular Car Insurance Cover Your Classic Car?

Don’t leave coverage of your treasured classic car up to your regular car insurance policy. Standard insurance considers depreciation, age, and mileage when determining how much you can recover.  However, that may represent a fraction of your vehicle’s true value, as classic cars often appreciate in value rather than depreciate. 

How Does Classic Car Insurance Work?

Classic car insurance covers exotic, antique, or historic makes and models. There are many benefits to investing in classic car insurance through Miao Insurance Services. The definition of a classic car varies among insurance companies. That’s why it’s important to work with an agent who understands both the insurance industry and the classic vehicle market.

Consult With Us

If you have an older car that collectors value, stop in to learn more about your insurance option. Contact Miao Insurance Services in Pleasanton, CA to make an appointment for a free quote today!

While some people enjoy driving around in modern cars, others simply can’t get enough of cruising down the street in a classic vehicle. A few individuals pride themselves on collecting older models from around the world. Whether you take them out for a spin in Pleasanton, CA or simply collect them for fun, it’s important to keep these vehicles insured with Miao Insurance Services.

What Does Classic Car Insurance Cover?

Classic car insurance covers everything normal car insurance does, including physical damage and roadside assistance. The big difference is the pricing. Classic car insurance costs less because most people either collect or rarely drive these vehicles.

The Older, The Better

The average car owner would believe cars from the 1950s and 1960s would only be applicable for classic car insurance. Fortunately, that’s not the case with our company. A car has to be at least 25 years old to be eligible for classic car insurance. 

How Much Insurance Can You Get?

The amount of insurance you can receive depends on multiple things. The car’s age as well as the model plays a big part in this decision. Rarer models can fetch a higher number than common models. Another factor is where you place your vehicle. Having your car placed in a garage instead of on the street can aid in grabbing more insurance. As expected, the mileage can also have a noticeable impact, too. On average, classic car insurance allows classic car owners to ride their vehicles up to 5,000 miles per year.

Give Us A Call

If you’re looking for classic car insurance in Pleasanton, CA, Miao Insurance Services is here to help. Contact us for more information on how to insure your classic car today.

Even though classic cars are no longer being made, that doesn’t mean they can’t still be enjoyed. Many people believe that classic cars are better than newer models. If you’re lucky enough to own a classic car, then you know how important it is to keep it in good condition. Miao Insurance Services in Pleasanton, CA can provide with insurance expertise and related advice:

Here are three tips for your classic car:

How to prevent rust on your classic car

Wash and wax it regularly to keep your classic car looking shiny and new. You should also avoid driving in salt water or on salty roads, which can cause rust. If you go in salt water or on salty roads, wash and wax your car immediately afterward.

How to store a classic car

A classic car should be stored in a cool, dry place from direct sunlight. If you don’t have a garage, you can rent space in a storage facility specializing in classic cars. The car should be covered with a soft cloth or tarp to protect it from dust and scratches. You may want to invest in a battery tender to keep the battery charged while the car is in storage.

How to insure a classic car

Classic cars are unique and require special insurance to protect them. They are often worth more than regular cars and can be difficult to replace if damaged or stolen. Classic car insurance typically includes agreed value coverage, which means that you and your insurer agree on a value for your car before your policy starts. If your vehicle is totaled, you will receive the agreed-upon value as your payout.

Get Classic Car Coverage Today

If you own a classic or antique car in the greater Pleasanton, CA area, contact Miao Insurance Services to ensure you have the right coverage today.

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.