Classic Car Insurance
First Choice Insurance Services is Long Island's Leading provider of Classic Car Insurnace . Our extensive network of carriers give us the ability to competitively quote a wide range of insurance types.
Whether you are in the market to purchase a classic car or you've had one in your garage for years choosing the right classic car insurance is an important step to protecting your asset. First Choice Insurance Services works with multiple classic car insurance carriers to get you the most affordable
Classic car insurance gives you the ability to choose from a Select Value Coverage or Guaranteed Value Coverage. Select Value Coverage is when you decide the value of the classic car at the time the policy is written. Guaranteed Value Coverage values your classic vehicle based upon documentation you provide the insurance company such as photos, appraisals, and receipts.
What qualifies your vehicle for classic Car Insurance.
In most states any car that is older than 15 years is considered to be a classic car. Vehicles manufactured more than 25 years ago can be considered antique. Furthermore is the vehicle a collectible can be a factor that will determine if your 15 or 20 year old classic car qualifies for classic car insurance. A 1990 Honda Civic may be considered old but is not a classic car.
How much will Classic Car Insurance Cost.
In order to determine to cost of your classic car insurance you must take a few factors into account. Classic car insurance is not like your average auto insurance, the cost of the classic car insurance will typically cost less. Great, cheap car insurance, this is awesome I will drive my classic car everyday! Not so fast, with cheaper classic car insurance will come with greater restrictions. Many classic insurance providers limit the amount of miles you may drive per year in order to limit their exposure and liability. The more time your classic or antique car spends in the garage the less chance an accident can occur.
What types of Classic Cars do you typically insure.
First Choice Insurance Services Inc., is an agency that supports the classic car scene and you can find us sponsoring many local cruise nights across Long Island. We help thousands of local Long Islanders get the best rates on classic car insurance policies. Some of the many cars we have helped insure include 1969 Camaro, 1969 Chevelle, 1969 Nova, 1970 Cutlass, 1967 Corvette, 1963 Impala, 1970 Ford Bronco, 1968 Oldsmobile 442, and many more!
Interested in a Classic Car Insurance quote call us today 631-392-4415
What will your Classic Auto Insurance cover:
Bodily Injury Liability - This will pay for bodily injury and lost wages when you are found liable for an accident.
property damage liability- this will cover property which you have damaged in an accident includes the other vehicle as well as houses, fences, and signs.
Uninsured/Under-insured Motorist Bodily Injury - This covers you in the event that the at-fault party is not present (hit and run) or if they do not have enough insurance to cover your claim.
Medical payments - This is a set amount of money that will be given for the personal injury you and of any guests while they are in your car.
Collision - This covers your vehicle repairs or replacement in the event it is destroyed or damaged after an accident.
Comprehensive - This covers your vehicle repairs or replacement in the event it is destroyed or damaged after, theft, specific covered incidents (such as weather, nature, animals) and accident that did not occur with another vehicle.
Towing and Labor - This is a set amount of money that pays for towing, gas and other roadside assistance.
Rental Reimbursement - This covers a set amount of money per day towards renting a car while you're vehicle is being repaired due to a collision or comp claim.
Sound System Coverage - A set amount of money to replace an aftermarket sound system after destruction or theft.
Death indemnity- A small amount of money that pays if an accident leads to death.
Identity Theft Expense - This provides a set amount of funds in the event that your identity is stolen.