What makes a car eligible for classic car insurance?

Florida residents interested in classic insurance should familiarize themselves with Florida’s eligibility requirements for classic car insurance. Typically, a car is considered classic if it’s at least twenty years old. However, the requirements and even the age of a car are subject to the insurance company’s requirements offering classic car insurance. Our team at Tim Huber Insurance understands that the ABCs of classic car insurance may not be clear to many St. Augustine, FL residents. This is why we’re committed to creating clarity when it comes to understanding what classic car insurance is and who’s eligible for it. 

What’s the Definition of a Classic Car?

Truthfully, how a classic car is defined can vary from insurance company to insurance company. However, some generalizations tend to be true across the board. Most cars are classified as classic depending on age, use, and how they are kept. Classic cars are typically at least 15-20 years old, maintained in mint condition, and driven less than 5,000 miles annually. Classic cars aren’t daily drivers. However, the insurance information institute defines a classic car as a car that’s 25-30 years old, and most Florida insurance companies define a classic car as thirty-plus years old.

What is Classic Car Insurance, and Who’s Eligible?

Classic car insurance is designed to meet the needs of classic car owners. This type of insurance is typically cheaper than conventional car insurance because classic cars are generally second cars and are not driven daily. This type of car insurance is designed to protect classic/antique cars. Florida residents who own a classic car that’s 30 years old or older are eligible for classic car insurance and must purchase property damage liability and personal injury protection. Conversely, classic car insurance differs from conventional car insurance in that the value of a classic car is agreed upon by both the insurance company and the car owner. If you have questions about classic car insurance, give us a call. We’d be happy to answer all of your questions.

I Caused a Car Accident, Now what?

Car accidents are unexpected events that are costly. To meet financial responsibility, all drivers must carry personal protection insurance in case of a vehicle accident. Luckily in St. Augustine, FL, most car accidents fall under the no-fault rule. It means that no matter who caused the accident, each party claims damages from their insurance. However, there are exceptions. Suppose the accident is particularly serious and the other party sustains a serious injury with permanent disablement or even loss of life. In that case, the injured party can claim damages from the person who caused the accident. 

How is blame for the accident appropriated?

Nobody goes out of their way to cause accidents, but things happen. Perhaps you lost focus behind the wheel or drove after drinking alcohol when the accident happened. Some accidents are always considered your fault entirely, especially if you drive into the rear of the vehicle in front of you or make a left turn and collide with a car driving straight in the other direction. In those cases, the driver that caused the accident is responsible for compensating the other parties’ medical bills, lost wages, and other losses suffered. 

Protection against the cost of liability.

To protect yourself financially against unforeseen accident claims, you need Bodily Injury Liability cover. It will protect you if someone else is injured or dies in an accident you caused. The insurance covers not only the costs of the actual loss incurred but also provides cover for your defense in case the other party sues you. Buying Bodily Injury Liability cover will help you fulfill your financial obligations in case of an unfortunate vehicle accident. To discuss your needs, contact Tim Huber Insurance agent, to help you choose the cover that matches your circumstances.

What You Need To Know Before Driving To Florida

Whether you’re planning to visit or moving there permanently, there are some things you need to know about Florida before you set out for St. Augustine, FL. It’s a beautiful state, you can make a trip from the East to the West coast to take in a beach sunrise and a beach sunset on the same day, you’ll never need to spend another dime on heating your home, but there are some downsides for drivers. Tim Huber Insurance wants to inform new residents and travelers what to expect on the road in the great state of Florida.

  • The highways can be crazy. The roads in Florida seem to have been designed by in a random manner. Keep an eye out for one-way streets pointing right at one another with a sharp turn at the end so you don’t wind up driving against traffic. Remember that people can turn right on a red light here. Consider letting an experienced Florida driver take you around while you take notes for your first few days here.
  • The salty sea air can actually damage your car. If you’re staying near the coast for extended periods of time, the climate here will chip away at your paint and rust your car without regular washing.
  • Set out a few more hours than you think it will take to get where you’re going on longer road trips. The long vertical shape of Florida more or less arranges the whole state in a straight line with a bunch of winding roads and detours, so if you want to drive from Tampa to Miami, you’re driving through a lot more cities along the way than if you were going from Cleveland to Akron.

Tim Huber Insurance can make sure you’re covered for any kind of accident on your trip or daily drive. Contact our St. Augustine, FL office for more information on auto insurance in Florida. We will be glad to answer any questions you may have.

Is a Car or Truck Cheaper to Insure?

When you go about the process of buying a new vehicle in St. Augustine, FL, you will probably need to consider what the insurance on the car or truck is going to cost you. After all, the insurance premium that you have will determine what you can actually afford. For example, you have a budget for a monthly vehicle payment and insurance. If you are going to buy a car with a payment of x amount of money per month, this leaves you x amount of dollars a month to be paid toward insurance. Some people wonder to themselves when vehicle shopping if it is cheaper to insure a car or truck. Let’s take a quick look at an answer to this question. 

Is it cheaper to insure a car or truck?

When you go to put insurance on a vehicle, there are more than a few factors taken into consideration. First and foremost, your driving record will have a huge impact. If you have questions about specific incidents please give the agents at Tim Huber Insurance a call. If you have a lot of speeding tickets and past insurance claims within the last five years, this will increase your premium rate. Also, if you are buying a vehicle and taking out a loan, this means you will have to have full coverage insurance, which of course is expensive. It really does not matter if you are buying a car or truck in regards to how cheap your insurance will be. Your past driving record and the type of insurance coverage you are going to put on it will determine how expensive or cheap your insurance rate is. 

To learn more about insuring a car or truck, contact Tim Huber Insurance serving the St. Augustine, FL area.