Value your iconic classic, antique, or collector’s vehicle of the past, while taking advantage of comprehensive coverage from future. ERM Insurance’s network of consultants are educated on how to get the best coverage on classic car insurance Orange County, so that finding and gaining comprehensive coverage for your beautiful automobile is a breeze.
Classic Car Insurance Basics
Insurance for your antique, classic, or collector car should be tailored to fit how often and how far you drive it. These types of cars are more than transportation; your car is an investment, placing it in a different category than that of an everyday vehicle. That’s why your car insurance should be different to match. An ERM Insurance broker will work with you to create a policy that suits your classic car lifestyle completely. Typical classic, antique, and collector car insurance coverage in Orange County through ERM Insurance considers how and why you own your classic car. This allows us to match your policy to your specific needs.
Agreed Value Coverage is an example of a policy we offer that accommodates the changing value of your classic car. Agreed Value Coverage will make sure you are fully reimbursed for the full-insured value, with no depreciation in the unfortunate occurrence of total loss of your collector, antique, or classic car.
Inflation Guard should be implemented into your coverage because of the fluctuating value of the classic vehicle. This policy will increase your vehicle’s value four times a year to compensate for the tendency of classic car value to increase over time.
Because finding the perfect components for your classic car can be difficult due to their rarity, ERM Insurance offers Spare Parts Coverage that will cover protect you against lost or damaged parts. Many individuals with classic and antique vehicles value their car as an investment, and possibly view it as, a work of art.
Flexible Usage is a very convenient policy for owners who drive approximately 2,500 to 5,000 miles a year. This is a more practical option for those who use their classic cars sparingly. ERM Insurance finds that milages consideration, over event limitations like “parades only,” is increasingly more applicable and appropriate for antique car owners.
Options for additional coverage are available so that our Orange County clients can customize the appropriate insurance to fit their lives.
Emergency Towing can be a huge asset in the occurrence of a breakdown, and Emergency Travel Expense coverage is also an option, which covers any additional travel expenses incurred in the unfortunate case that your antique vehicle breaks down on the road away from home. Roadside Assistance will provide you with immediate help and care in the event your classic vehicle encounters a flat tire, dead battery, or runs out of gas.
As a specific caveat for antique cars, we offer a Car Show Expense policy that will protect your wallet and cover expenses associated with missing a car show because of a breakdown. Since classic cars can be a bit more flashy, Personal Effects insurance is recommended, and will allow us to reimburse you in case your antique vehicle is vandalized or stolen, after reported to the police.
Emergency Lockout Recovery, Lost Key Return, and Theft Reward are other options available for you to include in your coverage, should they apply to your classic car usage and needs.
Ask the Car Insurance Orange County Experts
Don’t leave your prized collector, antique, or classic car at risk with incomplete, standard car insurance coverage. ERM Insurance’s brokers are knowledgeable about your needs as a classic car owner, and understand your coverage should differ from average car insurance.
Call (949) 222-0444 today to discuss the depth of coverage you’re interested in for your antique, collector, or classic car.
Learn more about our Orange County Car Insurance services.