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

"I’d been with my current insurance company for 15 years but after bumping into Ryan Waite around town a number of times I picked up the phone when my insurance renewal docs landed in my inbox to see if there was a better solution out there. Ryan collected my information, talked with me about my needs and called me a day later recommendations and options. He helped me to understand the gaps in my coverage and provided guidance for the best solution possible which, at that time, wasn’t one of his solutions. It a rare find to meet an agent that cares more about the best solution for someone over making a sale. Ryan’s at the top of my list for an annual insurance review and I look forward to working with him in the future."

- Justin H.