Antique & Classic Vehicles

Antique vehicle plate insurance is different from average stuff. For one, it’s cheaper, but it also doesn’t value your vehicle the way it should be. But we disagree! Your antique isn’t just an antique; it’s a classic!

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Classic Cars

Coverages

Agreed Value

Agreed Value is the value that your vehicle will be insured for based on the proven value of your vehicle, as determined by both you and the insurance company. Appraisals, photos, or other relevant documentation will determine the vehicle’s value. You will provide these to the insurance company so that they can get a big-picture look at your vehicle. With Agreed Value coverage on your policy, the insurance company will guarantee that they will pay this agreed-upon value in the event of a covered total loss.

Guaranteed Flatbed Towing

Your classic deserves to be handled with care. When you are a Hagerty Drivers Club member, you get flatbed towing from pick up to destination with soft nylon straps.

Storage Insurance

Your classic or antique probably isn’t a daily driver. When your vehicle is tucked away in storage, it’s important to remember that your vehicle could still be at risk of a claim. Theft, vandalism, and other threats still exist, and your home insurance will not extend to protect your vehicle. A package policy will, though.

Collision

This coverage is exactly what it sounds like, and you have this coverage whether you own a policy or have plates. This coverage will respond if your vehicle collides with another vehicle, a post, or a snowbank. If you’re responsible for a collision when you only have plate insurance on your vehicle, you have to pay a $700 deductible! With a package policy, you can lower your deductible to an amount that’s a little more budget-friendly. How does a $100 deductible sound instead?!

Comprehensive

This coverage is for basically everything that isn’t a collision. Things like fire, theft, wind, hail and vandalism are types of losses covered by this insurance. Oh, you only have plate insurance on your vehicle? Okay, well, you’ll have to come up with $700 to cover the deductible. Package policies let you have comprehensive deductibles as low as $50… just saying.

Liability

This coverage protects you financially from the pain of a nasty lawsuit. If you’re ever held responsible for causing bodily injury or property damage to a third party, you’ll want more than the basic plate limit.

Is one or more of these coverages jumping out at you? Get a quote and find out how affordable good coverage can be.

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Life Insurance

Did you finance your vehicle? If you did, you’ve probably also signed up for a form of Life Insurance! Take just 10 minutes with one of our Life & Benefits advisors to ensure that you’re not driving around with a lemon of a policy.

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