New York Classic Car Insurance Coverage

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Classic Car Insurance Coverages

Classic Car Insurance

Classic Car Insurance in New York

Heritage Insurance Agency, Inc. knows the difference between a New York classic car insurance policy and traditional automobile policies, including costs. We know that you want classic car insurance because you love your collectible car, but in the state of New York, not every single classic car is considered a collectible or vintage car.

When we talk about classic cars, we usually mean an antique car that is over 15-20 years; however, there are exceptions:

  • Not every vintage car is considered a collectible
  • Both new and old exotic autos may fall under a collectible car insurance policy
  • Muscle cars often fall in the classic car insurance category
  • Highly desirable cars that are rare may need this type of insurance
  • Sports cars may fall into this category also

Traditional Auto Insurance Depreciates — Classic Car Insurance Can Appreciate

It's important that you talk to the professionals at Heritage Insurance Agency, Inc. for guidance through this process. Traditional car insurers have a whole different set of rules. We understand that you want to protect your investment. If you go with classic car insurance, there are factors to consider that may help save money on the premium.

First, do you have an "older" car or is there a significant amount invested in a rare vehicle. Once you are sure that you need a classic car insurance policy, consider unbundling your traditional car insurance with this. Very few collectible cars are driven regularly, so this reduces the risk associated with the policy.

What to Expect with New York Classic Car Insurance

Before you get your car inspected, make sure you already have pictures of the interior and exterior in your records. Heritage Insurance Agency, Inc. will guide you through questions that are not typically associated with traditional car insurance.

  • Can you demonstrate the age?
  • Will it be kept in a garage?
  • How will you take care of it?
  • For what purposes do you plan to use it?
  • Is the actual value consistent with the policy?

Contact Heritage Insurance Agency Inc. for Your Quote Now

Want to see how much we can save you? Contact us now by phone or e-mail for a consultation. Our agents are waiting to help you get the coverage you need for your classic car.

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