You need the right kind of classic car insurance to protect your investment. Standard insurance may not be right for your collector car. We can protect your valuable asset with classic car insurance. There are some special classic auto insurance needs you may have, which we have listed below.

  1. Agreed Value – You receive the agreed amount scheduled on the policy, not a depreciated amount.
  2. Flexible Usage – Enjoy your classic with comfortable classic car insurance
  3. Roadside Assistance – If you need emergency service, our insurance partners can help.
  4. Special rate for storage and limited use.

Our classic car insurance can offer all the same basic coverage options as regular auto insurance, including:

  • Bodily Injury Liability
  • Property Damage Liability
  • Personal Injury Protection (PIP) and Medical Payments (MedPay)
  • Uninsured and Underinsured Motorist (UM/UIM)
  • Comprehensive
  • Collision
  • Towing

Remember, we insure fun. We can also handle your motorcycle insurance, RV, ATV, boat, and hatches. We are a locally operated independent insurance agent. As an independent insurance agent, we are able to provide the best possible insurance products and prices from a number of different insurance companies.

College Students Could Need Extra Insurance

It is the time of the year when parents and college students start gearing up for the next college semester. We hope your students are headed off to college. As parents, you worry about many things, including the safety of your children. Insurance may not be on your top ten list of things to consider, but it should be.

One of the most important things your student will need at school is something that doesn’t have to be packed – the right insurance coverage. Here is a list of some of the items you might consider before your college student heads of the University.

Is Your Student Renting An Apartment?

If your child is renting a home or apartment with others, you may want to consider a renters policy. We usually recommend separate renters as this will keep any liability separate from your individual policy. The apartment manager may also require renters insurance. Other kinds of insurance you may need for your college student.

  • Personal Property Such As Expensive ComputersPersonal Liability
  • Identity Theft Insurance
  • Personal Umbrella

Rideshare Driver Insurance

Being a rideshare driver is a great way to make extra income. With the growth of Uber and Lyft, many people are using their own vehicles, assuming their personal auto insurance will provide coverage.

Unfortunately, your personal auto insurance will not cover any use for commercial purposes. There is an exclusion for any commercial use of your vehicle. There is a specific exclusion for “public or Livery conveyance” that is part of your policy. This makes it very clear that the liability coverage for your vehicle doesn’t apply when it is being used as a public conveyance.

In addition, your personal auto insurance excludes Medical Payments, and Physical Damage Coverage for your vehicle is used for commercial purposes. With a few exceptions, your personal automobile policy doesn’t cover you or your automobile when you are using it for this purpose.

What Are Your Options?

  • Another option is to purchase a commercial automobile policy that is designed to cover the exposures that go along with operating a public conveyance.
  • Consider the coverage offered by the rideshare company you are working for

Call our office and we can work hard to provide you with the best possible combination of coverage, price, and service.