Classic Car Insurance

Owning a classic car is a special dream and experience for vintage car lovers. As a classic car enthusiast, you’ve poured a lot of your time, love, attention, and/or money into restoring and maintaining this beautiful machine. Now it’s time to protect that investment with adequate insurance coverage for your classic car.

Delsea Insurance has served the Glassboro, NJ area for more than 60 years and we understand the love you have for your classic car. Our goal is to help you get the classic car insurance coverage you need to protect your vintage automobile and investment.

WHY PURCHASE CLASSIC CAR INSURANCE?

Traditional auto insurance typically covers the value of the car up to a certain dollar amount according to the age of the vehicle. Older cars have greater depreciation factored into the insured coverage amount.

Classic cars, though, are a different story. The value of the car, at least in part, is in its age, not marred by that age. Additionally, in the event of accidents where replacement parts are necessary, you’ll find that replacement parts for classic cars are often in less abundant supply – meaning the price for repairs are more costly.

Simply put, traditional insurance is simply not up to the task of adequately covering the insurance needs of classic car owners.

WHAT DOES CLASSIC AUTO INSURANCE COVER?

Classic auto insurance offers different plans to car owners depending on individual owner needs. Most plans resemble primary auto insurance with the exception of the tiered mileage plans that address mileage limits and the agreed value coverage which provides up to a certain dollar amount of coverage without depreciation factoring into the equation.

CLASSIC CAR TYPES COVERED

There are many different types of cars that fall beneath the “classic car” umbrella. The following are perfect examples.

  • Classic cars
  • Antique cars
  • Hot rods
  • Muscle cars
  • Classic or Antique trucks
  • High-quality classic car replicas
  • Street rods
  • Muscle cars
  • Vintage vehicles

Even cars you’re actively working to restore to classic condition and some race cars qualify as classic cars.

CLASSIC CAR TYPES EXCLUDED

While most classic cars are eligible for classic auto coverage, home-built car kits bearing little resemblance to classic cars do not qualify for antique car insurance, nor do vehicles used for camping or off-roading. Cars used as primary vehicles also are ineligible for classic or antique auto insurance coverage.

WHAT TO CONSIDER WHEN BUYING INSURANCE FOR YOUR CLASSIC CAR?

One of the major considerations when purchasing classic auto insurance includes how you plan to use the car. If you’re going to be using this as a primary mode of transportation it will not qualify for classic insurance coverage. Additionally, there are different tiers according to how much driving you intend to do in the case. You’ll need to choose the appropriate mileage tier for your needs.

Finally, you’ll need to determine an adequate antique car insurance coverage amount that will allow you to recover the investment you’ve made in parts, upgrades, updates, restoration, paint, and other materials in the vehicle.

WHY CHOOSE DELSEA INSURANCE FOR YOUR CLASSIC CAR COVERAGE NEEDS?

Delsea Insurance has a proud history of serving the insurance needs of families throughout South Jersey. We look forward to at least another 60 years serving the community we know and love. We are an independent insurance agency meaning we can work with multiple providers in order to find you the best value for the best coverage.

SPEAK ONE-ON-ONE TO ONE OF DELSEA’S INDEPENDENT AGENTS TODAY BY CALLING (856) 881-6930 OR THROUGH OUR ONLINE FORM. WE LOOK FORWARD TO ANSWERING YOUR CLASSIC CAR INSURANCE QUESTIONS.

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