Modern Insurance for Your Classic Car

It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.

Not all collector cars are used the same, so we will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.

Classic Car Insurance Policy Features

Classic Car insurance program may include: Antiques, Classics, Modified Collector, Reproductions, Replicas, and Restoration vehicles. Vehicles must be at least 10 years of age and considered a vehicle that will appreciate in value. Kesslak Agency Inc. represents several fine companies that insure special vehicles. Call us at 814-269-1474 for a quote.

Here are some features you should look for when shopping for classic car insurance:

•Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible. This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies.

•Low Rates: Why pay full-time insurance when you driver your collector car only part-time.

•Coverage Options: Not all collector cars are the same, so Kesslak Agency Inc. can work with you to determine the right amount of coverage to meet your specific needs.

•Generous Mileage: You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value. Some limit to 2,500 miles per year.

•Roadside Assistance: Some companies will offer this optional coverage. Whether your down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.

•Restricted Use means you drive your collector car about 1,000- 2,500 annual miles or less annually. Each company has different criteria. This program is for individuals that have other daily use vehicles, but like to drive their collector car on weekends tours, leisurely fall trips, and special events. Classic car insurance rates are much lower to reflect the vehicle's limited use.

•Regular Use means you drive your collector car daily, and you may or may not have other regular use vehicles. This may or may not be allowed on a classic car policy.

•Garaging means your collector car must be stored in a fully enclosed, locking garage.

Lowering the Cost of Classic Car Insurance

How much you pay for insurance depends on many factors. Following the suggestions below may help you lower the cost of your classic car or collector vehicle insurance.

•Before you buy
If you’re thinking of buying a classic car or antique auto check with Kesslak Agency, Inc. to see what it will cost to insure. More expensive vehicles cost more to repair, maintain and insure. At the same time, it usually costs less to insure your classic or antique auto with classic car insurance instead of insuring with your regular auto insurance,

•Insure with one company
The more policies you have with a company, whether it’s for your cars or home, the more substantial savings you may receive.

•Increase your deductible
Raising the amount you pay out-of-pocket for losses can help you save more on your policy.

•Safety saves
A clean driving record can potentially lower your insurance rates.

Do you need the insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Talk with Kesslak Agency Inc. today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs. Give us a call today at 814-269-1474!

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Phone: (814) 269-1474
Kesslak Agency Inc.
1405 Eisenhower Blvd. Ste 103
Johnstown, PA 15904