Vehicles usually have to meet a specific set of criteria to qualify for classic car insurance in Easton, PA. This type of policy is designed for vehicles used in car shows, but many people prefer it because it can be more cost-effective. Learn more about the criteria your automobile has to meet to qualify. 

Mileage

These policies aren’t designed for daily drivers, and companies typically don’t provide coverage for vehicles driven every day. To ensure compliance, policies often include mileage limits. Some companies allow 5,000 miles a year, while others have a 10,000-mile annual limit. An agent at Northeast Insurance Advisors LLC can help you learn more about the details. 

Age

A vehicle must be a certain age to be considered a classic. This is typically 20 – 25 years old. Always ask a representative about the policy’s criteria, as this age may vary by provider. 

Storage

Many companies include a policy clause requiring that the car be securely stored, such as in a garage or storage unit. This helps reduce the risk of damage. That’s another reason these policies won’t cover a daily driver: the increased risk of damage. 

Value

It’s crucial to discuss your vehicle’s value with an experienced agent before you purchase a policy. Many companies offer these policies based on the “agreed-upon value” of the car, which is how much you and the provider agree the vehicle is worth. 

However, some policies only cover the cost of damages to factory items. It may not cover items such as custom paint or rims. You may need to purchase additional coverage to ensure everything on your restored vehicle is covered. 

Agents here at Northeast Insurance Advisors LLC will work with you to determine how much coverage you need and let you know if this policy will work for you. If not, we can help you find one that does. We’re currently serving the Easton, PA area. Contact us today!