Certain years or eras typically define antique, classic, or vintage cars. However, a classic car can also be determined by the owners as any car that remains highly desirable over a period of time. This is subjective because, for example, the ’57 Chevy is considered a classic, while other vehicles from that year may not be as popular. Regardless of whether others consider your car a classic, you may still need special insurance coverage to protect your treasured vehicle. Contact Vargas & Vargas Insurance in Dorchester, MA, to get all your automotive insurance questions answered.
There are some limitations on the insurance coverage available for older cars. Generally, they cannot be used as daily drivers, but few people do that with a treasured vehicle anyway. Most classics are transported to shows on trailers or only driven on special occasions such as a parade. There is a limit on how many miles a classic car can be driven and still be covered under the classic car insurance policy. The car must also be kept in a garage or under a covering.
The limit is often 10,000 miles per year, which is still a lot for most people. You may get higher limits with higher costs if you wish. Some insurance companies limit how often the car may be driven instead of the mileage. The car must be in good condition, and you need to show you have another car for daily use. The car’s actual value for insurance purposes can be negotiated in most situations, as the fair market value would not apply.
Contact Vargas & Vargas Insurance in Dorchester, MA, for more information about classic car insurance. If you are a new customer, we can adjust your policy as needed or find the right one for your situation.
