Classic Car Insurance
You put a cover on it—let’s make sure it’s actually covered.
Why Choose Weed Ross For Your Classic Car Insurance?
New-car smell is great and all, but there’s nothing like a classic car. People cared more about craftsmanship back then, didn’t they? At Weed Ross, we try to treat our classic car insurance policies the same way you treat your classic or collector car: with meticulous attention and maybe a little elbow grease from time to time.
With so many wonderful classics out there, we wanted to be sure to offer the works. Whether you’re looking to insure a classic car or a collector car, we have you covered. Weed Ross provides an extensive selection of classic car coverages for an exhaustive list of vehicles. Get it? Exhaustive?
Weed Ross takes pride in handling your classic car insurance process with candour and, well, class. Like the cars themselves, classic car insurance policies should be simple, elegant, and elemental—what you need, but with style. We also promise not to use too many more automotive puns.
#1 Classic Car Insurance in Western New York/
What is classic car insurance?
Classic car insurance is a type of financial protection designed specifically for classic cars, collectible cars, vintage cars, antique cars, or any other auto of this nature. The types of vehicles that fall into this category are typically cars with “historic interest,” but may also include both new and old exotic cars, muscle cars, sports cars from any time period, and rare or desirable cars. Classic car insurance can cover cars you rebuild yourself, cars you purchase brand new, and anything in between.
How is classic car insurance different from regular car insurance?
Classic car insurance is very similar in concept to regular car insurance, but the fact is, classic cars are just not the same as regular cars. They typically have higher value, but also get driven at significantly lower intervals. If you were to insure your classic car with regular car insurance, you’d most likely wind up overpaying. Classic car insurance typically offers the following benefits over regular car insurance:
• More affordable premiums:
People tend to drive classic cars with extreme caution, and also way less frequently. We understand this, and therefore adjust your premiums accordingly. Don’t pay everyday car insurance for a once-in-a-lifetime vehicle.
• No fixed mileage:
Standard car insurance will often restrict or limit the number of miles you are permitted to drive under the policy. With classic car insurance, you can speed right past the concept of fixed mileage.
• Agreed value coverage:
Agreed value, or guaranteed value, is a promise that the carrier will pay you the agreed-upon value of the vehicle in the event of a “total loss.” Regular car insurance usually only guarantees the “actual cash value” which can often depreciate by the time of the incident.
Is my car a classic car or an antique car?
A classic car is technically defined as a vehicle 10 to 24 years old with significant “historic interest.” This just means that it’s a car that is, for the most part, widely sought-after. An antique car is a similarly desired vehicle that is more than 25 years old. If you have an antique car, you may qualify for antique car insurance, so long as it meets a few further requirements including limited use, good condition, and adequate storage. Talk with a Weed Ross rep to find out more about antique car insurance.
What does classic car insurance cover?
In addition to the featured distinctions above, classic car insurance offers the following options for coverage, much like regular auto insurance:
• Bodily Injury Liability Coverage
Have further questions about classic car insurance? With offices in Batavia, Ellicottville, and Randolph, we always have a local, Western New York agent available. Give us a call or hey, drive on over!
• Property Damage Liability Coverage
Property Damage liability coverage defends and protects you if your classic car accidentally damages another person’s property.
• Medical Payments and No-fault or Personal Injury Coverage
Medical payments or personal injury coverage pays for a set amount of the medical expenses incurred as a result of a covered accident, regardless of fault.
• Uninsured Motorist Coverage
Uninsured motorist coverage pays for your injuries and certain property damages caused by an uninsured or a hit-and-run driver.
• Collision Coverage
Collision coverage pays for damage to your classic car when it hits or is hit by another object.
• Comprehensive Coverage
Comprehensive coverage pays for damage to your classic car from theft, vandalism, flood, fire, and other incidents