Antique and Classic Car Insurance
man in red convertible

Before Obtaining Coverage 
Prior to seeking out coverage, there are some things that you need to sort out. Primarily, you’ll need to determine how you will be using the vehicle, as this information will guide what type of policy you need.  

  • Where will the vehicle be stored?  

  • Where do you live and intend to use the vehicle?  

  • Will you only drive the vehicle to car shows or in a parade now and again? If so, your policy should be limited to those circumstances.  

  • Are you going to use your antique vehicle to go to the grocery store, hit the beach or visit a relative? Then, your policy should reflect this kind of usage.  

  • How many miles do you intend to drive each year?  

Typical Coverage Inclusions 
A typical classic car insurance policy includes the following: 

  • Agreed value coverage: Pays for the car’s full-insured value with no depreciation in the event of a total loss, less your deductible.   

  • Flexible usage: Ability to drive the vehicle for up to 2,500 to 5,000 miles annually. Not limited to “parades only.”  

  • Inflation guard: To compensate for how classic cars increase in value over time, the policy increases the vehicle’s value quarterly.  

  • Spare parts coverage   

Additional Coverage Options 

  • Emergency towing in case of a breakdown  

  • Roadside assistance for items such as a flat tire, dead battery or running out of gas  

  • Emergency travel expenses in case your classic vehicle breaks down while away from home  

  • Car show expenses—policy will pay for expenses associated with missing a car show due to a breakdown  

  • Theft reward  

  • Personal effects—policy will reimburse you for items that are vandalized or stolen when reported to police  

  • Emergency lockout  and lost key return  

Top Ways to Save On Your Premium 
If you’re looking for ways to save money while still obtaining coverage, consider the following suggestions: 

  • Consider raising your deductible.   

  • Keep up your good driving record.  

  • Drive less to qualify for a low-mileage discount.  

  • Drive a car with safety features such as anti-lock brakes, airbags, etc.  

  • Install an anti-theft device.   

  • Ask about our multi-policy discounts.  

 

OTHER POSTS

EMPOWERING COMMUNITIES, TRANSFORMING LIVES!

May 16, 2024
At Wilber-Price Insurance, we're committed to supporting local nonprofits like the Northeast Emergency Services Team (NEST), an organization dedicated to providing essential assistance to those in need within our community. NEST offers various services, including emergency food assistance, utility bill support, and access to resources for families facing financial hardship. Our mission is clear: we aim to uplift our community by lending a helping hand to NEST so they can continue their impactful work. But we need your help to make a difference. Our mission is inclusive and accessible; you can contribute without spending a dime. Simply refer a friend or family member to our agency for a no-obligation insurance quote, and you'll be supporting our cause. For every referral you provide, we will donate $10 to NEST, amplifying the impact of your generosity. Your involvement is important in realizing our goal of building a stronger, more compassionate community. Together, let's sow the seeds of assistance and hope where they are most needed, enriching lives and spreading positivity!

3 Big Reasons to Buy Renters Insurance

By Wilber Price • October 17, 2023
Renters insurance isn’t always something people seek out. It seems like an expense you may not want to have. However, there are some key benefits to having this type of insurance in place. The most obvious reason is that your landlord’s insurance isn’t going to cover your own property in the event of a fire […]

The Most Common Car Accident Scenarios

By Wilber Price • October 4, 2023
One never wishes for a car accident, but even the best driver can get distracted or find themselves unable to avoid another person’s poor decision. Note some of the most common accident scenarios so if you are ever in a similar situation, you can remind yourself to stay alert and watch out for other drivers.  […]

EMPOWERING HOPE FOR KIDS WITH CANCER!

October 1, 2023
There is nothing more heart-wrenching than seeing the resilience of young souls battling against the cruel grip of cancer. Even in the midst of this heartache, there's a beacon of light. In the face of childhood cancer, hope finds a home in the remarkable efforts of CancerFree Kids. At Wilber-Price Insurance, we're deeply inspired by their incredible effort as they strive to eradicate this devastating disease. Through groundbreaking research, compassionate support, and resources, they offer hope to the smallest fighters and their families, reminding us of the power of collective compassion and determination. We invite you to stand with us and support CancerFree Kids. For every friend or family member you refer to us for an insurance quote, we will donate $10 in your name to this extraordinary organization. Your referral not only secures the future for your loved ones but also contributes to CancerFree Kids' tireless mission, helping create a world where every child can dream, play, and grow without the shadow of cancer. Let's be the light that guides these young souls toward a brighter, cancer-free tomorrow.

Auto Insurance for Your Teenage Driver

By Wilber Price • September 15, 2023
Your family has finally arrived at the time in your lives where you have a teenage driver in the home. Your teen has passed the tests, logged their practice hours and is now ready to drive solo. While you may be ready to panic at the thought, comprehensive auto insurance coverage can set your mind […]

Does Home Insurance Cover Sewage Backup?

By Wilber Price • September 12, 2023
Homeownership comes with various responsibilities, and one of the most critical aspects is protecting your investment through insurance. Home insurance is designed to provide financial security in case of unforeseen events, but understanding the extent of your coverage is crucial. One common issue that homeowners may encounter is sewage backup.   What Is Sewage Backup?  Before […]

Getting the Right Auto Insurance For a Classic Car

By Wilber Price • August 23, 2023
You might have heard that the best way to insure your household’s vehicles is to buy a multi-vehicle policy. This allows you the convenience of being able to insure every vehicle you own within a single plan, which does have its cost benefits. However, is this really the best choice for you?  Some vehicles are […]

Is Long-Term Care Insurance Right for You?

By Wilber Price • August 23, 2023
With rapid medical advancements, people are living longer than ever before—often well into their 80s or 90s. However, as people age, some will need more care than others. About 40 percent of retired adults are likely to spend time in a nursing home, or make use of another form of assisted living.  It’s wonderful that […]

A Guide for First-Time Homebuyers

By Wilber Price • July 19, 2023
Buying a home for the first time is a very exciting step, but it can also be a confusing process. We’ve put together some information to help you plan each piece of the home-buying experience.  To-Do List before Home Hunting  Plan your budget: When figuring out how much you can feasibly spend on a house, […]

What Insurance Do You Need When Starting a Farm?

By Wilber Price • July 10, 2023
Agriculture provides a huge source of opportunity to farmers and their employees. If you plan on starting an enterprise, you will need the right resources and a lot of hard work. One important resource is insurance. Insurance can help protect your investment in case of an accident or natural disaster, but not all farm insurance […]
Show More