Antique And Classic Car Insurance: Tips For New York Enthusiasts – The right classic car insurance can significantly lower your annual premiums. Whether your car is a timeless classic or a reliable labor of love you can’t wait to replace, this guide has you covered.

The term classic car may bring to mind a Volkswagen bellwether or an Aston Martin DB5, but for insurance companies, that definition is not very broad.

Antique And Classic Car Insurance: Tips For New York Enthusiasts

Antique And Classic Car Insurance: Tips For New York Enthusiasts

Generally, a classic car can be any model over 15 years old, and many insurance companies require that the car be a second car with 5,000 miles per year and kept in mint condition.

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This means your old car may qualify for classic car insurance, even if you don’t consider it a classic!

Note that different insurance companies may have different definitions, so compare classic car cover to find a policy for your car. If your car meets the insurer’s definition, you may end up with a cheaper policy than if you bought standard car insurance.

If your car doesn’t qualify for any policy you can find, it’s still important to compare car insurance options to find the best deal.

Mileage is often key, so make sure you don’t exceed the limits listed on your policy for your classic car. This will invalidate your insurance and leave you without coverage.

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This limit is usually 5,000 miles, but varies from insurer to insurer. Check your policy documents to confirm your coverage.

The value of what you are insuring is very important in any policy. To get the right cover you need to know what your car is worth. Classic cars vary in value, but generally the older they are and the better their condition, the more expensive they are. This means that the longer your car is in good condition, the more valuable it will be.

Make sure you know your car’s current value when you buy or renew your insurance, or an accident could leave you out of pocket – even if you’re insured.

Antique And Classic Car Insurance: Tips For New York Enthusiasts

Comparing policies from different providers is always important to find the best deal, so be sure to compare classic car insurance.

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It’s also important to know what level of coverage you need. Prices for comprehensive cover, third party, fire and theft and third party vary widely, but are well worth the higher premiums.

Use our car insurance guides to find out everything you need to know to get the right deal.

Remember, if your car is over 40 years old, then you may be exempt from road tax.

If your car is worth a lot, keeping it off the road and in a safe place is key to getting a good insurance deal. Insurance companies believe that they are less likely to pay for damages to your classic car if it is stored in a secure location such as a locked garage.

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Some insurance companies may even insist on keeping your car off the road or locking it, so check your policy details to make sure it’s covered where you park your car regularly.

If your car is worth less, third-party cover could save you quite a bit of money. However, you are only covered for third party damages.

If you’re a classic car enthusiast anyway, joining a car club can be a great way to gain exposure and save on your insurance.

Antique And Classic Car Insurance: Tips For New York Enthusiasts

Some insurance companies offer car club membership discounts of up to 25%, which can make a big difference and even cover the cost of joining the club!

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For an annual fee, often under £50, many clubs will give you access to accessories and discounts.

GOV.UK has a list of Car Owners Clubs, but it’s not exhaustive, so do your own research if you can’t find your car.

They generally work the same way – protecting you financially if your car breaks down – but there are some key differences that can make a big difference to your policy.

About Joel KempsonView Joel Kempson’s full biography or visit our News Center for the latest news. Request an online classic car quote from Hagerty, a trusted partner in Hartford, the leader in classic car insurance. After clicking, you will be directed to the Hagerty website.

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We work with Hagerty because we want the best for our customers. Hagerty is the leader in classic car insurance, trusted by over 1 million classic car owners.

We are proud to have such a beautiful car. We’re here to help ensure your valuable property gets the classic car insurance you need. In fact, we’ve been helping customers get the right car insurance for years.

Not every car qualifies for classic car insurance. To be covered, your car must be a “spare” car used for pleasure and not needed on a regular basis.

Antique And Classic Car Insurance: Tips For New York Enthusiasts

To learn more, speak with a Hartford/Nutmeg agent at 800-555-2510 and get a classic car insurance quote today.

What Makes A Vehicle A Classic Car?

We know that the cars we collect are just one car. They are passion projects, treasured heirlooms and investments. That’s why you need quality car insurance coverage that will help you pay for repairs when you need them. This is especially true because replacement parts are expensive and hard to find.

Repairing and replacing a classic, antique or collector car can be expensive. That’s why you need the right amount of classic car insurance. The value of your car will determine your policy amount, and the car insurance coverage you get from the agent you work with will provide the protection you need.

Customize your coverage with the AARP® Auto Insurance Program in Hartford to insure your classic car

Today. Through Walnut Insurance Agency, you can find coverage designed to protect your rare car at low speeds.

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Get answers to your classic car insurance quotes or questions by speaking with a Hartford/Nutmeg expert today at 800-555-2510.

The average cost of car insurance will vary depending on the type of classic car you have and other factors like you.

Each car insurance company has different classic car insurance requirements to qualify for coverage. Some may require a clean driving history, how many miles it can drive, or safe storage conditions, such as keeping it garaged regularly.

Antique And Classic Car Insurance: Tips For New York Enthusiasts

Making sure you have these policies in place can help pay for damages to your vehicle in the event of a total loss.

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In an agreed-upon value-based policy, some classic car insurance companies state a certain sum insured for the repair or replacement of the car. Typically, the insurance company and the insurer will print documents such as appraisals, photos and receipts to arrive at a uniform value.

Standard car insurance helps protect the car or vehicles you use regularly. Your classic car insurance doesn’t cover cars that are 10 or older as everyday cars. In most cases, your classic car insurance will be cheaper than your standard car policy.

No, while classic car insurance helps cover events like parades and car shows, it also protects you if you occasionally need to drive for other reasons.

Coverage is subject to policy terms, conditions, limitations, exclusions, sales reviews and final risk acceptance and may not apply to all risks or in all states.

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This program may be underwritten by Hagerty Group, LLC through Essentia Insurance Company (“Essentia”) or one of its affiliates of American Modern Insurance Group (USA Southern Home Insurance Company of FL and LA, Consumer Mutual Insurance Company of TX, TX, American Home Insurance Company d/b/a AFH Insurance Company (License No. 2961-1), American Modern Home Insurance Company) (“American Modern”), through Yangyu Insurance Agency. Division of Hartford Fire Insurance Company. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products written and distributed by Essentia and American Modern.

The Hagerty policy is underwritten by Essentia Insurance Company through Yangyu Insurance Company, a subsidiary of Hartford Fire Insurance Company. Hagerty is a trusted partner in Hartford and has no direct affiliation with AARP.

This summary of coverage and policy features is for informational purposes only. In the event of a loss, the actual terms and conditions listed in your policy will determine your coverage.

Antique And Classic Car Insurance: Tips For New York Enthusiasts

AARP and its affiliates are not insurers. Paid approval. Hartford pays royalties to AARP for use of its intellectual property. These fees are used for AARP’s general purposes. AARP membership is required for program eligibility in most states.

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AARP Auto Insurance Program of Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, Hartford Plaza, Hartford, CT 06155. It is underwritten by Southeast Hartford Insurance Company in AZ. in CA, by Hartford Underwriters Insurance Company in WA, by Hartford Casualty Insurance Company in MN, by Sentinel Insurance Company, and by Trumbull Insurance Company in MA, MI and PA. AARP Home Insurance Program

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