Agreed Value: Most cars lose their value overtime, however classic antique, classic, and collectible cars are another matter. With Agreed Value Coverage in the event of a loss you will receive the total value of the previously agreed upon amount. 


Breakdown Assistance: Covers the cost to tow your car to the repair shop of your choice.


Transportation Expense: Your policy may reimburse you for the cost of renting a vehicle while your car is being repaired. Or you may have the option to rent a car of comparative value. 


Emergency Living Expense: Your policy may cover lodging in the event that you incur a loss far from home. 


Personal Property: Your policy may cover personal property that is lost or stolen from your vehicle.


Glass Coverage: Covers the cost to replace your vehicles windows. 


Original Equipment Manufacturing Parts: This type of coverage may cover original parts (so long as they are still made). 

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Classic Car Insurance

When it comes to cars there are a few characteristics that insurance companies will look for in order to decide whether it is a classic or standard vehicle. For example any vehicle that is 10 too 24 years of age, and that is a rare make and model due to exceptional workmanship or limited production is considered a classic auto. Anything over 25 years is usually considered an antique.

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While you can still purchase insurance policies for these vehicles, they may come with certain restrictions. Here are a few tips and tricks on how you can save some money on your classic car insurance.

One of the ways that you can save money on your classic car insurance is by limiting the use of the vehicle. As most collisions occur during rush hours when commuting to/from work, the risk of operation is increased. As older vehicles have fewer passenger protection systems, they can increase the chances of personal injury in a collision.

Another way to save money on your car insurance is by having a good driving record. It’s no secret that the better you drive the less you will pay for auto insurance. In essence the theory is that if you get into less accidents then the probability of you filing a claim or someone else filing a claim is also less.The last and most efficient way to save money on your classic car insurance is by comparing insurance quotes. Make sure to discuss your insurance needs with a few agents/brokers. By discussing your needs with various insurance representatives you will not only make sure you are getting the best quality product, but ensure you are getting the best possible price as well.

IJU Agency Ltd.