Antique and Classic Car Insurance in New Braunfels, TX

If you have an antique or classic car, you’re probably well-versed in how to take care of it. Unfortunately, many owners forget that securing proper insurance for their prized possession is a key component in protecting their investment. That’s where antique and classic car insurance comes in handy.

As the name suggests, antique and classic car insurance is designed to provide coverage for a specific type of car. Each policy may differ in how they classify antique cars versus classic cars, but coverage is available for both.

What’s Covered?

While all policies vary in coverage and covered amounts, the following coverages are often included in basic policies:

• Agreed value coverage: Pays for the car’s full-insured value with no depreciation in the event of a total loss, less your deductible.
• Spare parts coverage: To provide coverage for obtaining or replacing parts on your vehicle.
• Flexible usage: Ability to drive the vehicle up to 2,500 or 5,000 miles annually. Not limited to “parades only.”
• Inflation guard: To compensate for how classic cars increase in value over time, the policy increases the vehicle’s value quarterly.

Additional Coverage Options

If you feel that you need to obtain additional coverage, you usually can. In many cases, you can purchase additional coverage and customize your antique or classic car policy to fit your needs. Some common additional coverage options include:

• Roadside assistance for items such as a flat tire, dead battery or running out of gas.
• Emergency lockout
• Lost key return
• Personal effects: Policy will reimburse you for items that are vandalized or stolen when reported to police.
• Emergency travel expenses in case your classic vehicle breaks down while away from home.
• Car show expenses: Policy will pay for expenses associated with missing a car show due to a breakdown.
• Theft reward
• Emergency towing in case of a breakdown.

Summary

Protect your investment for the long haul by securing antique and classic car insurance. The actions you take today can affect your investment’s future! Contact us to learn more.