Specialty Car Insurance

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Here's what you need to know...
  • Specialty car insurance is usually needed if the automobile is worth more than where it is parked
  • To determine the value of a specialty car, the insurance agent will need to take photographs and have the vehicle inspected inside and out
  • There are many contributing factors and companies to consider when looking into specialty auto insurance

Specialty car insurance is needed to completely insure or cover special automobiles that regular insurance wouldn’t cover.

How to choose whichever insurance is best needs to be evaluated by each individual prospective person looking for special insurance.

First, you need to decide if specialty car insurance is necessary. Then you must consider the type of specialty insurance coverage that will protect you. Finally, you must find an insurer to provide that coverage.

Compare online car insurance rates for your specialty car by entering your zip code now!

Determining if Specialty Auto Insurance is Necessary

There are lots of ways to determine if specialty auto insurance is needed.

The types of automobiles that are insured sometimes depend on the insurance company and the condition of the car.

Usually, specialty car insurance is needed if the automobile is worth more than where it is parked.

A great example would be if someone has an automobile that was worth over $500,000 and the place where it is parked or stored only covers $100,000.

If the car was destroyed where it was parked then he or she would only receive $100,000  for the car, nowhere near what the car is worth.

Types of Vehicles That Usually Require Specialty Auto Insurance

  • Antique Vehicles
  • Classic Vehicles
  • Newer Vehicles
  • Limited Production Vehicles
  • Exotic Vehicles
  • Motorcycles
  • Scooters
  • Vehicles under restoration
  • Retired Commercial Vehicles
  • Motorsport and Racing Vehicles

You can easily source motorcycle insurance, business car insurance, antique car insurance and the other types of specialty coverage mentioned.

Things to Consider when Choosing Specialty Auto Insurance

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The first thing to consider is how often the automobile is driven. Some automobiles are driven every day and some automobiles are only driven in an automobile or car show.

There is insurance which allows specialty cars to be driven every day or be restricted to being driven very few times a month.

The next thing that needs to be determined is what the stated value or agreed value of the automobile is.

To determine this value, the insurance agent will need to take photographs and have the vehicle inspected inside and out.

Specialty Auto Insurance Policies can be based on:

  • Type of Vehicle
  • Age Of The Vehicle
  • How Often Vehicle Is Driven
  • Monthly Mileage
  • Age of Driver
  • Number of Drivers
  • Secondary or Primary Vehicle
  • Condition Interior and Exterior of The Vehicle

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Companies that Offer Specialty Auto Insurance

There are several companies that offer specialty insurance including the ones below.

– Hagerty Classic Specialty Automobile Insurance

This company has been insuring classic cars with specialty insurance for over 20 years.

Here are some of the things that Hagerty Classic Insurance claims to offer with its specialty insurance:

  • A low premium with full coverage, collision, and liability
  • Agreed Value for the automobile being insured
  • Employees that are knowledgeable of classic cars and must pass collector car training
  • Vehicle repairs for classic car repairs
  • Specialty insurance plans customized to each individual driver
  • Roadside assistance
  • Medical reimbursement for injuries while competing at an auto show

– J.C. Taylor Specialty Automobile Insurance

This company offers specialty insurance and offers quotes online. The application can be completely filled out online.

The automobile and its driver have to meet certain qualifications like:

  • Vehicle must be a factory original and have little to no changes
  • Must be used as a secondary car and meet a monthly minimum mileage
  • 25 years old minimum
  • Have received no more than one moving violation

– Grundy Worldwide Specialty Automobile Insurance

This company offers specialty automobile insurance and has been in business for over 60 years. The vehicles must be in excellent condition or in restored condition.

Here are some of the things that Grundy Worldwide claims to offer:

  • Agreed Value for Automobiles
  • High Liability limits
  • Mileage is unlimited
  • Spare parts and repair are offered
  • Depending on coverage, towing and Labor parts covered
  • Medical Reimbursement for injuries received at an auto show

– Heacock Specialty Automobile Insurance

This company has been in business for over 30 years and offers specialty insurance on all types of vehicles and boats.

They have some qualifications when it comes to the drivers and the type of cars.

Here are some of the things that Heacock claims to offer:

  • Premiums to fit any budget
  • Agreed Value For Cars
  • Encourage Pleasure Use
  • One Liability Charge
  • Choice of Picking a personal repair shop
  • Roadside Assistance
  • Zero deductible

Specialty automobile insurance is necessary when it comes to completely protecting special or classic vehicles.

With all of the different insurance companies offering specialty insurance plans with different benefits and coverage, any driver is more than able to find the right plan to cover their vehicle.

Choosing the right insurance can only be determined by the type of vehicle and lifestyle of the driver. It is also smart to read all the fine print before signing any agreement.

The best thing to do is to find out the coverage that you need and to shop around for the best price.

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