Qualifying For Classic Car Insurance In Pennsylvania?

Answer 1

Classic car insurance is a special type of policy that provides coverage for vehicles that are considered valuable because of their age, make, or model. One of the most important aspects in acquiring classic car insurance is making sure that a vehicle is actually considered a classic. In Pennsylvania, a classic car is defined as a car that is at least 15 years old, which has been maintained according to the manufacturer's original specifications, and that is expected to increase in value over time. Classic car insurance is different from other types of insurance for non-work related vehicles such as antique car insurance, modified classic car insurance, and vintage car insurance.

Classic car insurance is very different from traditional auto insurance. The policy has a number of restrictions that must be followed for the insurance to remain active. Namely, the car must not be used for daily transportation or work. Some policies restrict the usage of the classic car to parades and auto shows, while a few allow light recreational driving within a certain radius of the home. Certain policies that cover very expensive classic cars in Pennsylvania might also require that the owner actually posses a second vehicle for normal driving to ensure that the classic car will not be used.

When determining the exact parameters of a classic car insurance policy, often appraisals and other information about the car are required. This is because a policy can be customized to cover many of the more expensive features of a classic car that might not be covered for a normal modern car. These include special hood ornaments, upholstery, dashboard fixtures, and even parts such as authentic mufflers or light covers. The more expensive the overall value of the classic car is estimated at, the higher the insurance premiums will be. Despite the fact that the car might be covered for far more than a standard vehicle, the premiums are still usually lower than normal because of the low risk of an accident due to the usage restrictions.

Beyond just the car, many of the better established classic car insurance providers in Pennsylvania also take the record of the driver into consideration. Most of the time, minor infractions are not taken into account. What can affect classic car coverage, however, are incidents that are related to reckless driving, driving under the influence, and behaviors that might point towards the driver disregarding safety and driving the classic car into an accident. A poor record could result in higher premiums or a denial of classic car coverage.