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Classic Car Insurance 

Classic Car Insurance Information

If you don't own an average car, why would you settle for average auto insurance policy? Specialty auto insurance is a great fit for individuals who own collectible and/or antique cars and vehicles. Dakkak Insurance is proud to partner with Hagerty Insurance to protect your classic vehicles.

Specialty vehicles are obviously different from standard issue autos, but there are some differences that can be especially troublesome when searching for insurance coverage. First, there is the challenge in assessing the cost of certain types of damage to a specialty vehicle. With specialty vehicle insurance, you may have access to an insurance adjuster who has the right knowledge and experience to properly assess your claim.

Another benefit to specialty auto insurance is that the value of the specialty vehicle is often much higher than traditional policies will cover. In order to ensure that you get the full value of the vehicle and that you have a policy that considers total replacement value for the specialized auto, specialty insurance is the way to go. Your policy will have what’s called an, “Agreed Value” that will spell out the amount you get in a total loss situation.

Antique and collectible cars are not generally driven daily and certainly not used to run everyday errands. This means that the mileage for specialty autos is often much lower than for a non-specialty car. Specialty auto insurance policies take this into consideration when establishing your rates. They also understand that standard safety measures may be missing and while a traditional auto insurance policy might penalize a driver for that, specially the auto insurance is tailored to that lack of safety devices.

Policy Features:

Low premiums
Our rates are drastically lower than standard. For example: The standard rate on a '65 Mustang could hit $800/year. Our average premium on the same car? Just $110.

Agreed value coverage
In case of a total loss, you will receive the full amount for which you have insured your vehicle.

No deductible
Our base program has no deductible requirement. However, you have the freedom to select optional deductibles to lower your premium.

Single liability charge
No matter how many vehicles you have on your policy, you only pay a single liability charge.

Flexible usage
Drivers can enjoy their classics with comfortable limits. Our policy allows for an occasional leisure drive, not just to parades or car events.

Repair shop of choice
Your choice, not ours. Take your collector cars to your favorite repair shop.

Restoration coverage
You can protect your classic and its increasing value during an active restoration project.

Instant new purchase coverage
Unplanned purchases up to $50,000 receive immediate coverage on an existing policy.

Business-use endorsement
Collectors may use their cars for specific business or commercial uses for specified time frames.

Auto show medical reimbursement
Clients or family members injured during an auto show or similar car-related function will receive pre-determined medical coverage.

Overseas shipping/foreign touring coverage
Hagerty can provide special coverage of your vehicle(s) during overseas transit including cargo shipping, foreign liability and property damage. We also can coordinate coverage during your stay.

 

 

 

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