At AW Burchell Agency Inc. in New York, we help our classic car enthusiast clients decide what the right type of coverage would be for their prized possession. Many car owners come to us and ask what constitutes a “classic car” to qualify for this kind of coverage. Some cars may be older and require special care that is challenging for the average car owner to provide. Others might be rare or luxurious.
In the case of modified vehicles, standard auto insurance policies may not provide sufficient coverage. Thankfully, classic car insurance covers more than you might think it would with the way it is named. Although the term “classic car” may seem to apply to a select few antique vehicles, the definition of this word for insurance purposes can be broad. Every insurance policy is different, so it’s best to discuss coverage options with your provider.
What Types of Vehicles Does Classic Car Insurance Cover?
When you hear about classic car coverage, you may picture the first Ford vehicles that were ever manufactured or an antique Hot Rod Lincoln sitting in a garage untouched for decades. While these cars would probably be eligible for this sort of coverage, classic car policies are much more open to different types of vehicles and models than you might initially expect them to be. If you have an antique tractor, this may be eligible for this type of coverage. Exotic or luxury automobiles would also be potentially eligible for this coverage. What’s more, you might be able to cover muscle cars, race cars, military vehicles, and modified ones with this coverage.
To learn more about what vehicles could be covered by classic car insurance, call AW Burchell Agency Inc. in New York today!