Pennsylvania Classic, Antique, & Muscle Car Insurance
Finding car insurance for your classic or antique car is completely different than buying insurance for your everyday vehicle. A collector vehicle isn’t just a way to get from Point A to Point B, it’s a way to travel in style, and it’s an investment that will continue to grow as it ages.
Here’s something to think about.
It’s a beautiful Friday evening, and you decide to drive your 1968 Ford Shelby GT500 to the Markets at Shrewsbury for their monthly car show. On your way home, another driver runs a red light, directly hitting you, and totals your $50,000 classic car. If you have a classic car insurance policy, there is no need to worry. You would be covered for the entire $50,000, but if you have your classic car on the same policy as your everyday autos, the insurance company will probably only give you a few thousand dollars. Not the best outcome for your bank account, right?
Classic cars, muscle cars, antique cars, and hot rods are part of our everyday culture in south central Pennsylvania. Do you own a 1932 Ford Custom or a 1967 Pontiac GTO or how about a 1960 Chevrolet Corvette? Whether it’s one of these nostalgic pieces or something completely different, finding the right insurance is essential to protecting, preserving and enjoying your dream car.
The Rumbaugh Insurance team understands that no two classic or antique cars are used the same way. Some are for Sunday drives, and others see every local car show in the Hanover, York, Spring Grove, and Gettysburg area. The truth is we have a deep appreciation for these iconic American vehicles. You might have even met us at one of those car shows!
The classic and antique car experts at Rumbaugh Insurance work with you to find the right insurance policy based on your personal needs.
We’ve compiled a list of features and terms you need to understand about classic or antique car insurance:
- Agreed Value: The agreed value is an amount that you and the insurance company agree the car is worth. If a covered accident were to happen, the insurance company will pay the full amount minus any deductible. This is a much better option than actual cash value or stated value offered by insurance companies that don’t specialize in classic car insurance.
- Low Rates: Why pay full-time insurance when you drive your collector car a limited amount?
- Generous Mileage: Some insurance companies have a mileage limit for classic cars. Part of our process is to find an insurance company that meets your mileage needs. In most cases, collector cars shouldn’t be on the road more than 5,000 miles each year to maintain their value.
- Roadside Assistance: Whether you’re down the street at a local Hanover, PA car show, on a rod run through York-Adams, or attending one of the car shows in Carlisle, you’ll want to find coverage makes sure you don’t end up stranded along the road.
Do you need the insurance for your Ford Mustang, Chevy Camaro, Dodge Charger, Corvette, Ford Thunderbird, or another collector car? Contact one of our classic car insurance agents in Hanover, PA to find the right insurance that gives you peace of mind.