If you own a classic or collector vehicle in Washington state, you’re going to need Classic Car Insurance.
If you own a Muscle Car, Hotrod, Project Car, Supercar, Exotic Car, Antique Car or any other type of collector vehicle, you’re going to need a special kind of insurance policy. And, you’ll need to get it from an agent who understands classic and collectible vehicles. Welcome to the Phoenix Insurance classic car team.
So, what makes a vehicle a classic?
Every carrier has their own criteria for determining what they consider to be a classic or collector car, truck or motorcycle. Age of the vehicle plays a big role, but it’s not the only factor. In fact, some carriers will write a classic policy for recent model-year vehicles if they’re limited production or special models. Others will go by what the state considers to be a collector vehicle—30 years or older in Washington. Yet others won’t insure antique vehicles over 50 years at all.
“A 1997 Corvette, 1999 Prowler and 2008 Mercedes-Benz SLR; all classics!”
Why classic car insurance and not just regular coverage?
The biggest reason to insure your vehicle as a classic is that most carriers will permit setting of an agreed value, where you will receive a fixed amount in the event of a total loss. But there are other reasons also, like lower premiums than daily drivers, auto show medical coverage and even coverage on tools and spare parts. Plus, you generally deal with agents and carriers who are super-knowledgeable about all vehicles, not just classics.
“Traveling Collector, Spare Parts Coverage, Tool Coverage; all Classic Car Insurance benefits.”
Which carriers can I choose from?
One of the wisest decisions you’ll make insuring your Muscle Car or Classic Car is to work with an independent agent like Phoenix Insurance. We have access to the top insurance carriers in the industry and have hand-picked a handful for their classic car insurance products. Which one we recommend depends on your classic car, truck, or motorcycle and how you use, store, and maintain it. And since we offer all lines of personal insurance, we can even suggest carriers that will offer significant discounts when classic car insurance is bundled with Home, Auto and other lines.
“More Choice, Better Coverage, Bigger Discounts; the benefits of working with Phoenix Insurance.”
What about exotics like McLaren, Ferrari and Lamborghini?
You don’t need to own an F1, F40 or Countach to qualify for classic car insurance, the 720S, 488 Pista and Huracan all qualify for this kind of coverage as well. Most exotic cars and supercars aren’t daily drivers, they’re collectable and many appreciate in value so they do qualify for coverage. As long as your vehicle meets the conditions set out by the carrier and you have a daily driver in addition to the exotic car, you can apply for classic car insurance.
“McLaren 720S, Ferrari 488 Pista, Lamborghini Huracan; all classic cars.”
What part of the state does Phoenix cover with classic car insurance?
While Phoenix Insurance is based in Bellevue, we cover the whole state with specialty insurance products for classic cars, muscle cars, sports cars, supercars, antique cars, trucks and motorcycles and almost anything with 2, 3, 4, or more wheels (and that includes classic tractors). Our carriers have expert appraisers who are on the road and can meet you where you live if needed. Most of the time no physical inspection of the vehicle is needed, but if you’ve got a mint 1970 Hemi Superbird, we might even tag along for the ride.
“Puget Sound, the Olympic peninsula, Eastern Washington; Phoenix has you covered.”
As with all of our personal and commercial insurance products, we invite you to call, text or fax our main line (425) 800 4298, click on the “Get a Quote” button or the Live Chat icon in the bottom-left side of our website. We’ll ask a few simple questions and get started on finding the best coverage at the lowest cost to protect what you cherish. Get started now.