Collector car insurance is a type of specialty auto insurance designed specifically for people who own rare or vintage cars. These policies offer several benefits, including comprehensive coverage and higher liability limits, that are not available with regular auto insurance policies. Collector car policies also tend to be more affordable than standard auto insurance rates.

How does regular auto insurance work when it comes to collector cars?

Regular auto insurance policies typically do not cover collector cars. This is because collector cars are often worth more than regular cars, and the coverage provided by standard policies is not always sufficient to protect them. Instead, collectors should look for a policy specifically designed for collector cars. This type of policy offers comprehensive coverage, which can help protect the vehicle from damage or theft, and higher liability limits, which can help protect the driver if they are sued after an accident.

What are some of the exclusions on a collector car policy?

Some of the common exclusions on a collector car policy include damage caused by racing or stunt driving, damage resulting from the use of the car in a commercial setting, and damage caused by an accident that occurred while the vehicle was being driven by someone who did not have a valid driver’s license. It is important to carefully read through any collector car policy’s terms and conditions before purchasing it to ensure that it provides the coverage you need.

Contact us today!

If you have any questions about your collector car, please call us at the Saucon Insurance Agency today. We proudly serve the Bethlehem, PA area.