Category: Classic Car Insurance

You don’t treat a classic car like any other set of wheels. You don’t use an antique car for your morning commute, and you don’t use your muscle car to pick up the kids after soccer practice.

Neither do you insure your classic car like any other car. At Swartz Premier Group Insurance, serving all of Missouri, we find that our customers who want classic car insurance look for three things:

• As classic cars only become more valuable with time, customers want to insure their cars for an agreed value.
• Customers seek coverage for spare parts and related memorabilia.
• Since classic car owners put quite low mileage on their cars, they prefer policies that account for this low usage.
• Customers who take their cars to shows want coverage in the United States and worldwide.
• A growing number of our classic car insurance customers seek unique medical coverage that insures against accidents at shows.

Do you own a classic car? Your car may be considered a classic if it is:

• At least 25 years old or 20 years old with collectible value. Some companies factor in newer models like Corvettes and Ferraris.
• Stored in an enclosed, climate-controlled garage.
• Strictly limited in annual road miles (excluding transportation to and from shows),
• It’s not your primary vehicle, meaning you have another vehicle or vehicle for daily use.
• Not used for racing.

There are also other requirements for classic car drivers. You must have maintained a clean driving record for at least the last five to ten years. You must not have had an accident or a moving violation in the past three years.

If you own a classic car in Moberly, MO, or anywhere else in the state, let your agent at Swartz Premier Group Insurance review your policy to ensure you have the coverage you need. Call us today!

Our team at Swartz Premier Group Insurance can provide Moberly, MO area residents with the help that they need with a variety of insurance types. For instance, we can help you with classic car insurance that protects your investment. Here’s what you need to know about this policy type.

When Your Car is a Classic 

Here’s a tough question that we know you might not feel comfortable answering: Is your car truly a classic? Here are a few qualifications it has to meet to fall under classic status: 

• At least 25 years or older 
• If not that old, a new and exotic model (Aston Martin, Alfa Romeo, and such)
• Popular antique favorites like Chevy, Ford, and Dodge classics
• Replica cars that recreate a cool, old-style 
• Specialized vehicles (hearses, fire trucks, school busses)
• Used only for exhibition and club activities 
• Stored in a locked and enclosed structure 

When getting this type of insurance, you typically get surprisingly low deductibles and an agreed-upon cover value, meaning that you get protection up to a point that we agree on. 

What Your Policy Covers 

When you get a classic car insurance policy, it covers a variety of concerns, including:

• Liability issues, such as underinsured and uninsured motorists’ coverage
• Personal injury protection and medical payment coverage
• Towing and roadside assistance coverage 
• Spare part coverage to help repair your vehicle 
• Replacement cost of your vehicle if it’s damaged 
• Restoration costs to improve your vehicle’s style

Why You Should Work With Us

At Swartz Premier Group Insurance, we take your Moberly. MO classic car seriously. We will work hard to find a policy that makes sense for you and will fight for your rights. It’s our goal to provide the high-quality and meaningful policy protection that you deserve. So contact us today to learn more!

If you’ve just bought a classic car, you’re probably passionate about the vintage automobile industry. Like any significant purchase, you need to get the vehicle insured. Swartz Premier Group Insurance in Moberly, MO can help you navigate this important coverage.

We’ve debunked some of the most common myths to make finding a policy easy:

Classic Car Insurance Covers Everything

Unfortunately, this is not the case. Policies vary widely on the insurer and the specific policy, with some offering limited coverage for parts, modifications, and accessories. Therefore, it’s crucial you read your policy and know what won’t be covered. 

You Only Need to Insure Show Cars

Classic car insurance policies might be designed for rarely driven vehicles or ones used for car shows or exhibitions, but there are also policies for cars driven regularly. Many car enthusiasts want to drive their vehicles, and policies are designed with that in mind.

Classic Car Insurance is Expensive

A common pitfall is believing this type of insurance is more money than regular auto insurance. Your classic car insurance policy can be tailored to meet your and the vehicle’s needs, meaning lower premiums. Insurance companies even offer discounts for things like safe driving and having multiple policies.

Classic Car Insurance is Only Available Through Specific Insurers

Some specialty insurance companies offer classic car insurance, but your options aren’t limited to those. Many traditional insurance companies offer policies for classic cars. 

Reach Out To Us

At Swartz Premier Group Insurance in Moberly, MO, we know how important it is to find the best policy for your classic vehicle. We will work with you to find coverage that meets your specific needs, so your classic car is protected, no matter what. 

A classic never goes out of style. Fortunately, insurance doesn’t either.

Swartz Premier Group Insurance in Moberly, MO can craft a classic car insurance policy that’s perfect for your vintage ride. 

Here are five common questions about classic car insurance:

What is classic car insurance?

Classic car insurance is special. These policies are strictly tailored for classic car owners. Although these may have features that are comparable to standard auto insurance plans, the available options can vary greatly.

How is classic car insurance different?

A major difference is that classic car insurance is built around a principle called "agreed value coverage." This means that a car’s monetary value is determined between you and your agent when you are purchasing an insurance policy. This is typically derived from a professional appraisal.

What types of cars are covered?

Classic car insurance is offered for exotic, antique, or custom cars. A car’s age influences this the most. Custom or modified vehicles are uniquely tricky to insure. Any changes can both positively and negatively affect a car’s value.

Is my car eligible?

Only certain cars will qualify. First, your vehicle must fall into one of the above categories. But drivers may face certain eligibility restrictions too. Most importantly, classic car insurance requires the owner to have another vehicle that’s primarily for daily use.

How much does classic car insurance cost?

Rates vary based on make, model, and mileage. Yet, since classic cars spend less time on the road, these insurance policies are usually less expensive than traditional auto coverage.

Get Classic Car Coverage

Owning a classic car might be a luxury. But having insurance isn’t. Call Swartz Premier Group Insurance in Moberly. MO today. Our professional agents can customize a classic car insurance plan that’s right for you.