Classic Car Insurance in Pennsylvania
Your classic car is going to be different to insure than a regular vehicle. Unlike other traditional vehicles that depreciate over time, a classic or collectible car will appreciate over time.
Getting Classic Car Insurance in Pennsylvania
When getting classic car insurance in Emmaus PA, you will have an agreed value. This means the insurance company will pay you the full agreed-to amount if there is a covered total loss, minus any deductible. Other coverage options include actual cash value or stated value. Not all classic cars have the same insurance needs so you will work with an agent at Patrick McNealis Insurance and Financial Group to find the right amount of coverage that works for your situation. While there may not be a mileage limit on your insurance policy, a classic car should be driven less than 5,000 miles yearly in order to maintain its value.
What Does Classic Car Insurance Cover in Pennsylvania?
Even though it is slightly different, classic car insurance works similarly to regular car insurance and the coverage works the same way. You will have liability coverage, comprehensive coverage, collision coverage, and medical payments coverage in Bethlehem, PA. You can also choose to get additional insurance for roadside assistance for flatbed towing or traveling coverage for if your car breaks down on a trip. There is also coverage related to auto shows if you attend these with your classic car. Auto show medical reimbursement insurance will help cover medical payments if someone is injured near or in your car at a show. No attendance required coverage covers your vehicle at an event or show even if you aren’t there in Emmaus, PA.
Limitations on Classic Cars
Besides mileage, there may be some limitations on your classic car. Classic car policies often also require that you keep the vehicle in a storage unit or locked garage. In order to qualify for classic car insurance, you should have a clean driving record.
Contact Patrick McNealis Insurance and Financial Group to get a quote on classic car insurance. We have locations in Emmaus, PA, Shavertown, PA, and Bethlehem, PA.