Driving a classic car even for short distances in St. Augustine, FL without insurance is illegal and risky. You may be thinking it’s okay to put your classic car on your regular auto insurance policy but that’s also not a good idea. The best thing you can do to get the right coverage is to get a specific classic car insurance policy from Tim Huber Insurance.
You need special coverage to protect your classic car and an ordinary policy won’t provide that for you. A well-maintained classic car will often appreciate in value, while a standard insurance policy assumes that a car will depreciate over time.
Your classic car insurance policy should include liability, collision, and comprehensive coverage. Liability insurance will be required if you want to drive on state roads. With comprehensive and collision, you are covered in the event of an accident and your insurance will pay for your valuable car. The insurer will work with you in St. Augustine, FL and discuss an agreed value based on the appraised market value or auction prices for cars similar to yours. There are other add-ons to your policy that you may want to consider depending on how you use your classic car. If you visit a lot of auto shows, you may want to get insurance for this that will cover your vehicle, whether or not you are actually present with your vehicle. You can also get insurance to cover towing should your classic car break down away from home.
Even though you will be getting higher coverage, your classic car insurance isn’t likely to cost you more than regular insurance. The policies do have some restrictions. You may be limited on how much you can drive your classic car and you will have to make sure it’s stored in a secured garage.
Contact Tim Huber Insurance to get a quote on classic car insurance.