Insuring a classic car is different from insuring a daily driver. The most important aspect is that collector cars are worth more than the average car people use daily.

Collector car owners put a lot of blood, sweat, and tears into their cars, along with a sizable amount of cash. Making sure these vehicles are adequately insured is critical. If you own a collector or classic car in the Emmaus, PA area, we’ve you covered at Patrick McNealis Insurance and Financial Group.

Collector cars and book value.

For traditional daily driver cars, book value is often used as a guide to a vehicle’s value. Classic cars can range widely in value depending on the year, model, make, engine, how many were produced, how completely they are restored, and whether they are restored using original parts. This makes classic cars worth more than non-restored vehicles and is why values vary widely.

With classic car insurance, you help decide how much your car is worth and how much you want to insure it for.

Factors impacting classic car insurance rates.

How often you display or drive the vehicle will impact your classic car insurance rates. Classic cars are often towed or trailered to events, and their miles are usually limited when driven.

Careful and secure storage can also lower rates. Classic car owners may also have the option to salvage a vehicle should the insurer determine it is a total loss.

Get a quote for your classic car today.

If you have a classic car, make sure you get proper coverage from Patrick McNealis Insurance and Financial Group of Emmaus, PA.

We can discuss your vehicle, its value, and how to protect it correctly. Contact us for your consultation and price quote today. 

Your classic car insurance policy should protect your vehicle’s value. Classic car insurance policies are designed for high-value vehicles that generally don’t get as much usage as average vehicles used for everyday commuting.

Patrick McNealis Insurance and Financial Group offers classic car insurance to consumers in Emmaus, PA. When you buy classic car insurance, there are a few priorities you should focus on. The following are four priorities when you purchase classic car insurance. 

Choosing a policy with agreed-value coverage

Agreed value coverage ensures you won’t be compensated significantly less for your vehicle after it depreciates in value.

It’s a good idea to choose an agreed-value policy rather than an actual cash-value policy to ensure that you’re getting adequate coverage. 

Including inflation protection

With inflation protection, the agreed value you receive for your motorhome, if it is totaled, will be adjusted for inflation. This further ensures you’ll get a definite value back on a claim if your motorhome is totaled. 

Knowing any mileage limits that are included in your policy

Some classic car insurance policies come along with mileage limits. You may only be able to drive your classic car a certain number of miles within a given period for your policy to remain in effect. It’s essential to be aware of these mileage limits so that you don’t go over them and lose coverage as a result. 

Getting modifications covered

Many classic car owners make modifications to their vehicles that increase their value. If you’ve made modifications to your vehicle, ensure these modifications are covered under your policy. 

Let us help you find the right policy for your classic car in Emmaus, PA. Call us at Patrick McNealis Insurance and Financial Group, and we’ll provide you with a quote on a policy that provides you with the coverage you want and need. 

Car lovers all over the Emmaus, PA area likely dream of owning their own classic car. If you are a classic car owner, it provides you with a fun vehicle to drive and even a good alternative investment. Getting classic car insurance should be considered a top priority if you do have a classic car.

Protecting Your Car

An important reason that you should get classic car insurance is so you can protect your car and the investment. If you have classic car insurance, the coverage will ensure you are covered if the vehicle is stolen or damaged. Further, you can get coverage up to the full collectible value of your car, which ensures the investment in it is also covered.

Receive Liability Coverage

You also should get a classic car insurance plan to receive liability coverage. If you are going to drive your car, you need to have liability insurance. A classic car insurance plan will give the necessary coverage to ensure you comply with this law but will also reflect your actual risk based on estimated mileage. As classic cars are driven sparingly, this could be advantageous compared to standard auto insurance plans. 

When you are an owner of a classic car, you will undoubtedly want to ensure it is adequately insured. A great way of doing this today is by getting a classic car insurance plan. Patrick McNealis Insurance and Financial Group professionals have helped those all over the Emmaus, PA area understand their options regarding classic car coverage. When you call Patrick McNealis Insurance and Financial Group, you can receive the support you need to build a proper insurance plan. 

Classic car insurance works similarly to your standard auto insurance, but it protects the true value of your antique car since classic cars appreciate in value. Whether it’s a 1967 Ford Thunderbird or a 1969 Chevrolet Camaro, here are the benefits you accrue when you buy classic car insurance from Patrick McNealis Insurance and Financial Group in Emmaus, PA.

Covers physical damage to your car

Comprehensive and collision coverages cushion your vehicle from physical damage when a covered peril strikes. Depending on the value you have used to insure your car, your insurer compensates you for the true value of your car if it’s stolen or totaled. And you don’t have to sweat about depreciation, unlike conventional vehicles. 

Liability protection

Even though you drive your collector’s car occasionally, mishaps can happen the few days you are on the road. If accidents happen, you could cause bodily injury or property damage to other people. Thankfully, with classic car insurance, third-party liabilities are your insurer’s headache. 

Roadside assistance

Whether old or new, cars can break down. But the last thing you would want is being stranded on the highways while strolling with your one-in-a-kind vehicle. The good news is that classic car insurance can bail you when your vehicle misbehaves miles away from home. 

With services like flatbed towing, gas delivery, flat tire changes, and battery jump-start, classic car insurance ensures that you aren’t stranded following your vehicle breakdown. 

Peace of mind

When you own something as valuable as your antique car, you are always worried about its safety. But whether it’s theft, fire, collisions, or vandalism, classic car insurance ensures that nothing steals your memories from you. 

Classic car insurance in Emmaus, PA

Are you looking for classic car insurance that protects your pride and joy? Would you please connect with Patrick McNealis Insurance and Financial Group for affordable coverage?

If you have a classic vehicle, you probably also have classic car insurance. But when was the last time you reviewed or updated your policy? If you haven’t gone over your policy with your agent in a while, you might want to consider doing that. It’s imperative to have the right type and level of coverage, and it’s harder to have that if you’re not exactly sure what it should be. If you’re in the Emmaus, PA area, Patrick McNealis Insurance and Financial Group can help you get the kind of coverage you need for your classic vehicle. We can also review your current policy, so you know if you need to make future changes.

If you’ve recently moved your classic vehicle to a different storage location, done a lot of work to it, or added some modifications, you may need to review your policy and adjust it so you can keep your coverage strong. It’s never a good thing to have an issue with a vehicle and find that your coverage for it wasn’t adequate. By working with a knowledgeable agent to review your classic car policy, you can reduce your risk of experiencing that kind of problem with the vehicle you love and take pride in. We’re here to help you keep your vehicle protected.

Reach out to us today at Patrick McNealis Insurance and Financial Group if you’re in the Emmaus, PA area. We can work with you on the concerns you have with your current classic car insurance policy. That gives you the option to make adjustments and have more peace of mind and coverage. Make sure you don’t feel that there’s a need to make any changes that can help you feel better, as well. Either way, you’ll know your policy was reviewed and that you have the right coverage for your needs.