Classic Auto Insurance Arizona
A Comprehensive Overview of Classic Auto Insurance in Arizona
The Uniqueness of Classic Cars
Classic cars have a unique allure that distinguishes them from regular vehicles. More than just a mode of transportation, they represent an era of history, an exquisite work of art, and most importantly, a labor of love for their owners. This unique nature of classic cars necessitates special insurance coverage that goes beyond what typical auto insurance offers.
As an enthusiast considering classic car ownership or an existing owner, you might be wondering, “Is classic car insurance expensive?” Contrary to common belief, the answer is no. Insuring a classic car is usually cheaper than insuring a regular vehicle. This affordability mainly stems from the fact that classic cars are typically not driven daily, thus significantly reducing the risk associated with them.
This leads us to another commonly asked question: “Are antique cars cheaper to insure?” The answer is a resounding yes. Classic or antique cars are cheaper to insure because of their limited use, special care, and maintenance they receive.
Finding the Perfect Classic Auto Insurance
For the best coverage at an affordable rate, it’s imperative to compare classic car insurance quotes from multiple providers. A great starting point is to use an online classic car insurance quote for a convenient and speedy process. You can also use a classic car insurance price comparison tool online to find the best deal tailored to your needs.
Several high-ranking companies offer specialized classic auto insurance. For example, Blake Insurance Group LLC, an Arizona-based firm, has garnered praise for its dedicated solutions for classic car owners. Partnering with Hagerty®, a leading classic car insurance provider worldwide, Blake Insurance provides an unmatched understanding of classic car owners’ needs and the coverage required for these unique vehicles.
Ensuring Optimal Coverage for Your Classic Car
To optimally protect your classic car, it’s important to explore different coverage options. Hagerty®, for instance, provides Guaranteed Value™ coverage. In this model, a fair value for your classic car is agreed upon upfront. In case of a covered total loss, you’ll receive the full amount, minus any deductible or salvage value. This protects your investment effectively. They also offer additional benefits such as flexible usage, roadside service, expert claims handling, and above all, lower premiums tailored for classic cars.
Another significant player in the field of classic auto insurance is Heacock Classic Insurance. Recognized as a leader in Collector Vehicle Insurance, Heacock offers a broad range of coverage options, from liability and medical payments to collision and agreed-value coverage. However, they do have specific policy requirements including restrictions on usage and strict storage requirements, which may not suit all classic car owners.
American Collectors Insurance, backed by 40+ years of experience, is another provider offering Agreed Value auto insurance for a wide variety of collectibles including classic cars, vintage cars, antique trucks, and even classic motorcycles. Their policies are tailored for vehicles driven on a limited basis and not used for daily commuting or racing.
Lastly, J.C. Taylor, a stalwart in the classic car insurance business since the 1960s, specializes in providing Agreed Value Coverage for classic cars, antique autos, and modified, and custom vehicles. With their experience and understanding of classic vehicles, they design specialty auto policies exclusively tailored to your needs.
Wrapping Up
Securing cheap classic auto insurance doesn’t have to be a daunting task. Start by obtaining a classic car insurance quote online or an Arizona auto insurance quote. Take your time to compare these classic car insurance quotes and choose a policy from a reputable company that understands and specializes in classic car insurance.
Remember, the effort and passion you’ve invested into your classic car are invaluable. Protecting it with the right insurance coverage should be your top priority. Your unique classic auto deserves a
unique solution, so choose wisely. With the right classic auto insurance, your cherished classic car will be protected, allowing you to continue enjoying the car enthusiast’s dream.
Classic Car Insurance Price Comparison
| Provider | Policy | Price |
|---|---|---|
| Heaacock | Classic Car Insurance | $500 per year |
| J C Taylor | Classic Car Insurance | $600 per year |
| Hagerty | Classic Car Insurance | $400 per year |
Frequently Asked Questions about Classic Cars in Arizona
How old does a car have to be in Arizona to be considered a classic?
In Arizona, a car must be at least 25 years old to be considered a classic.
Do classic cars have to pass emissions in Arizona?
In Arizona, classic cars that are 25 years or older are exempt from emissions testing.
Are classic cars cheaper to insure?
Classic cars can be cheaper to insure than modern cars because they are typically driven less and are considered to be lower risk. However, the cost of insurance can vary depending on the car's value, age, and usage.
Do classic cars get better insurance?
Classic cars can be insured with specialized insurance policies that offer better coverage for their unique needs, such as agreed value coverage and flexible usage options. However, the cost of insurance can vary depending on the car's value, age, and usage.
Is Hagerty only for classic cars?
Hagerty is a specialized insurance company that offers coverage for classic cars, collector cars, and other unique vehicles.
Can you insure a classic car as a daily driver?
Yes, you can insure a classic car as a daily driver, but it may be more expensive than insuring it for occasional use only. The cost of insurance can vary depending on the car's value, age, and usage.
classic car insurance coverage
About Hagerty®
Over 30 years, Hagerty has grown to be the leading global provider of classic car and boat insurance, but they’re still just a family business built on a love for classics. Their passion drives them to keep improving their product and to give their clients the best service imaginable.
Why Hagerty®?
At Hagerty, they’re as passionate about classics as their clients are. Their deep knowledge of classic vehicles and their owners allows them to offer better coverage for less. They offer:
- Guaranteed Value™ coverage – They’ll agree with upfront on a fair value for your classic, and in the event of a covered total loss, you’ll receive that full amount, less any deductible or salvage value, if retained. Guaranteed.
- Flexible usage – Classic and collector cars were made to be driven. Whether you’re going to a show or taking a cruise to an ice cream shop, you are protected.
- Hagerty Plus® Roadside Service and Benefits – A comprehensive 24/7 full-service roadside assistance program specifically for collector cars. It offers service for lockouts, battery jumps, tire changes, emergency fuel delivery, and more. Includes guaranteed flatbed towing with soft straps.
- Expert claims handling – Their claims adjusters are trained in classic vehicle repair. In event of a claim, they offer stock original replacement parts and even have specialists on staff to hunt down rare and hard-to-find parts.
- Low premiums – Because they only protect classics, they’re able to offer insurance at rates considerably lower than daily driver insurance.
To make sure your classic is properly protected, contact blake insurance group LLC to learn more about a Hagerty policy.
What Hagerty Insures:
To make sure your classic is properly protected, contact Blake Insurance Group LLC to learn more about a Hagerty policy.
Guaranteed Value™
Heacock classic auto Insurance
Recognized nationally as a leader in the Collector Vehicle Insurance business in 48 states. founded in 1989, now offers Collector Vehicle Insurance across the country in 48 states. Heacock Classic Insurance is now recognized nationally as a leader in the Collector Vehicle Insurance business. Heacock Classic Insurance is here to provide you with personally tailored specialty insurance for your Antique, Classic, Collectible, or Exotic Collector Vehicles that are living the “Collector Vehicle Lifestyle.”
The company claims to have a finger on the pulse of the classic car market, and notes that it uses auctions and other data to help determine the actual value of a car.
Classic car insurance is helpful for certain vehicles, because their value and replacement costs may not align with an owner’s total investment. Specialized insurance allows the owner to cover their vehicle for an amount that accounts for the time, effort, and money that it takes to own an older vehicle. Though small, Heacock offers a range of coverage options for classic autos, including liability, medical payments, under/uninsured motorist, collision, agreed value, and more. The company also offers several discount and cost-reduction options, though its catalog is slimmer in that area than its competitors.
Heacock’s insurance products extend to race cars and muscle cars, so there are options for extremely specialized vehicles. That said, the company’s policy requirements and limitations could make it a real pain to get coverage for some customers. In its eligibility requirements, Heacock states that the car cannot be used for errand running or random drives, and notes that it must only be used for pleasure drives.
The car must show “pride of ownership,” and can only be driven by experienced drivers. You must also keep your car in a fully enclosed, locked, private garage when it’s not in use
American collectors insurance
They provide top-rated insurance for a wide variety of collectibles and collector’s items, including Agreed Value auto insurance for collector vehicles, classic cars, vintage cars, antique trucks and even classic motorcycles.
American Collectors Insurance is backed by 40+ years of expertise, protecting collectors nationwide. Since 1976, we’ve been sharing our passion and excitement for classic cars and collectibles with collectors across the nation. We make it easy to get a quote in minutes. Our underwriting process is simple and straightforward, and we provide the peace of mind serious collectors deserve with our policies
In order to be covered by an American Collectors Insurance plan, collector vehicles must be driven on a limited basis and not as a daily use vehicle, not used for racing or driver’s education, and kept in an enclosed or locked garage. The carrier offers customizable coverage for the following vehicles and collectibles.
- Classic and collector vehicles
- Custom cars and hotrods
- Collector trucks and SUVs
- Exotic and collector imports
- Classic motorcycles
- Collectibles (wine, stamps, cons, comic books, toys, sports memorabilia)
Collector vehicles are insured on an agreed value basis. This means that in the event of a total loss, you are covered for the agreed value with no depreciation minus your deductible amount. American Collectors Insurance offers a variety of other benefits and service features, including emergency roadside assistance, variable mileage plans, and more. Program features and availability may vary by state. An independent insurance agent can help you understand your options and secure the coverage you need.
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J.C. Taylor
Since the 1960s, J.C. Taylor has been America’s premier specialty insurance provider for classic cars, antique autos, modified, and custom vehicles
Taylor has been providing Agreed Value Coverage since the beginning of our program. The level of protection for your vehicle is based on a mutual agreement between you and J.C. Taylor, and a specialty auto policy is designed just for you. With over 50 years in the industry, that’s experience you can trust