Classic Car Insurance in Ohio: Keys to Getting the Best Coverage at the Lowest Rate

Finding the right auto insurance coverage for your classic car in Ohio can be difficult. What coverage should you buy? Which company should you buy from?


First, and most important thing: You are far better off insuring your vehicle with a company that specializes in classic vehicles instead of insuring it with a regular auto policy!
    There are several reasons why having a specialized classic car policy is better than having it insured with a regular auto policy:

• Not all traditional auto insurance companies who insure classic cars do so on an agreed value basis. Many only pay claims on an actual cash value basis.
• Additional coverage options for tools,parts and accessories that aren't available on regular auto policies.
• Special emergency coverage that extends beyond typical roadside assistance.
• If you have a repair claim, you have much more flexibility in your choice of body shops.
• If you own multiple classic cars, you only pay one liability premium instead of paying per car.
• No restrictions on mileage as long as the vehicle isn't the primary driving vehicle.
• Coverage on automobilia and equipment brought to car shows.

    The fact is, most regular auto insurance claims adjusters have little experience when it comes to damage to classic cars. Even the most seasoned claims adjusters have problems with accessing damages to classic vehicles. They're not experienced in handling claims on classic vehicles.




    Nor are they experienced with knowing the difficulty in finding the right replacement parts to adequately replace a covered loss. That's why it's important not to skimp on corners when it comes to buying classic auto insurance!




   Yes, there are a few major auto insurance companies who cover classic / vintage autos. But look carefully at those policies and be sure to read what is actually covered. Typically, you only get what traditional auto insurance policies cover. You do not get the extra care that you do with companies that specialize in classic cars:




    Bottom line is, if you own a very special vehicle, you need to take care of it properly. Get quotes only from those companies who specialize in classic vehicles. There are plenty of companies that specialize in classic car insurance. I chose Hagerty and American Collectors Insurance as my main classic car insurance carriers. If you would like to get a quote with both of these companies, simply click on the link below and fill out the easy classic car insurance quote form.




Get a Classic Car Insurance quote with Lyles Insurance


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