Tips for buying classic car insurance for the first time | Blog
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The Sanford Group Insurance Blog

Tips for buying classic car insurance for the first time

Whether you enjoy taking your antique car for some tour around town or simply like it parked in your garage, finding the best coverage is a crucial step. You will want to purchase the best classic car insurance in Ball Ground, GA to protect your investment. If you need professional help, The Sanford Group is here to help you out. Here are a few tips for first-time classic car insurance buyers.

Know the qualifications for a classic car

Just because your vehicle is from the 1950s doesn’t mean it is qualified to be a classic car. There are specific qualifications to be met. Different insurance companies have their own ways of determining which car is classic and which one is not. However, there are general conditions such as:

  • The car must be well-maintained and in good condition.
  • The car must be more than 20 years old. Some companies accept even ten years. 
  • A classic ride is not for running errands. Most policies allow occasional use.
  • Must be kept in a well-managed and secure garage 

Focus on the totaled value

Antique vehicles, unlike modern cars, typically appreciate over time. That is why most companies offer coverage based on an agreed value with the policyholder. As the value of the car increases, the company should make changes to accommodate the new value.

You will need spare parts coverage

Any car owner can agree that car spare parts are not cheap. Imagine how the situation can be for antique cars, whose components may not be in the market. Stolen parts can be costly, especially if you buy them from your pocket, so consider carrying enough coverage for your spares.

Don’t forget to do your research and find out the value of your car and the amount insurance companies are charging in Ball Ground, GA. For more information, queries, quotes, or new policy discussions, contact The Sanford Group directly, and we will be happy to help.

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