If you own a classic or antique auto you’re in a special coverage situation. Specialty coverage is necessary because standard auto coverage rates are based upon a car losing value each year due to aging and normal vehicle use. The owner of a classic or antique car needs coverage for a vehicle that retains or increases its value.

Specialty car insurers typically base their rates on elements such as:

  • car’s current value (often established by appraisal)
  • any special design or features
  • deductible
  • use (exhibition, touring, parade)
  • availability of storage in a locked garage
  • owner’s age (no youthful drivers)
  • whether spare part coverage is included
  • availability of another car for normal vehicle use
  • whether the car’s coverage includes automatic increases to account for inflation

Since classic and antique vehicles are so diverse, your insurance coverage will be specific to your vehicle. Call our office today at 608-238-2686 to learn more about all of our automobile insurance and personal risk management solutions.

Testimonial

"Just wanted to say a huge Thank You to the Neckerman team … you have always provided excellent customer service and it’s wonderful to have a trusted resource to count on!"

- S W Tait.