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A classic car is between 20 and 40 years old and kept true to its original specifications and design. The book value of these cars usually is not very high, but they are very valuable to collectors. This creates confusion when it comes to getting insurance on such a vehicle. At Hedgepeth-Hutson Insurance Services, Inc. in Nashville, NC, we can help you sort through the maze and find a policy that best fits your situation.
North Carolina's guidelines are similar to national standards set by the American Automobile Club. You must still comply with all laws concerning registration and inspection in the state. Cars more than 35 years old are considered antiques, but the insurance policies are very similar.
Getting insurance on a classic car involves negotiating the value with the insurance company and agreeing on that value to get it insured for that amount. While there is the 20-40-year window for what is considered classic, there may be exceptions. If it is of historical interest, that might be an exception.
Most classic cars are not driven as everyday cars. Some insurers limit the miles that can be driven in the policy. Many vehicles are operated only in parades or to shows, and often they are towed to shows when it is a great distance. Also, to get the insurance, you must either have restored it to its original condition or be in the process of doing so.
The actual coverages, liability, collision, and comprehensive are still the kinds of insurance you would get for a classic car.
Stop in and see us today at Hedgepeth-Hutson Insurance Services, Inc. in Nashville, NC to get your free no-obligation quote. We can help you get the coverage you need for your classic car, and help you protect your investment. We realize everyone is different and has different needs when it comes to insurance. Let us help you get a quote.