The Difference Between Classic Car and Normal Car Insurance
Buying insurance for a classic car is different than buying regular car insurance. Specifically, if your vehicle qualifies as a classic, your policy will usually use an Agreed Value provision. With this provision, you and your insurance company will determine and agree on the value of your classic car before your policy starts.
This is different than with normal car insurance, which uses an Actual Cash Value provision. With this provision, the total loss settlement value of your vehicle is determined after an accident or loss.
Also, you may have some restrictions once you register your car as a classic car. These restrictions can include when, where and how far you can drive your classic car.
Insurance for Antiques, Classics, Street Rods, & Customs
At Gallen Insurance, we are experts in classic car insurance. No matter the make, model or age of your classic car, we can find the best plan for you. We understand the nuances of classic car ownership, and our agents are knowledgeable regarding classic car needs.
Because we are an independent agency, we can also partner with some of the nation’s finest carriers as we work with you to develop a complete profile.
We’ll take the time to build you a customized policy that focuses on your individual needs, usage, and interests. You take great care of your collector vehicle… let us take great care of your vehicle should damage or a loss occur.
Benefits of Classic Car Insurance
When you have classic car insurance, you’ll be able to take advantage of benefits tailored to you, such as no attendance coverage. Your vehicle would still be covered even if you are away from it, which could apply if your car is on display at a car show, for example.
Compared to a normal car, classic cars usually spend more time in the garage, often making them significantly less expensive to insure. Along with the cost-saving benefits, you’ll also be able to experience peace of mind knowing your classic vehicle is protected at all times.
Contact Us Today for a Free Consultation and Quote on Classic Car Insurance
Gallen Insurance has been serving residents of Berks, Montgomery, and Chester Counties, the Greater Reading Area and throughout Pennsylvania since 1957. Our local business takes the time to perform a complete review of your wants and needs so we can help you find the best classic car insurance. Our team also can assist you with a variety of other auto insurance policies such as car insurance, motorcycle insurance and RV insurance.
Interested in learning how we can help deliver peace of mind and protect what matters most?
Give us a call at 610-777-4123, email us to learn more about our classic car insurance policies or fill out our online form to request a free, no-obligation quote today!