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Classic Car Insurance

Classic Car Insurance

Do you have a classic vehicle that you want to insure? If so, knowing the requirements in the state of Florida can set a baseline in determining how much insurance to purchase for your car or truck. Since classic vehicles are relatively cheaper to insure than their modern relatives, some people skimp on protection for their investment. Here are some guidelines to keep in mind when starting the process of shopping around for classic vehicle insurance.

Be Aware Of The Minimum Coverage Required

In Florida, motorists with classic vehicles are required to carry a minimum of $10,000 of personal injury protection and $10,000 of property protection. These numbers can, of course, be increased to provide drivers with additional coverage in case an incident occurs. Minimal personal injury protection insurance will cover 80% of medical bills, 60% of a loss of wages, and up to $5000 should death occur. Property damage protection will pay for damage to someone else's land or personal belongings.

Know How Often To Drive The Vehicle

Those who own classic vehicles undoubtedly want to drive them around to show them off. Classic vehicles, however, will require their owners to adhere to strict rules in how much they are driven. In Florida, antique cars are not to be driven on a daily basis. An insurance company like Frederick Insurance will inquire about the yearly mileage driven, so it is best to keep a logbook with this information handy.

Adhere To Vehicle And Driver Requirements

A vehicle is deemed as an antique if it is fifteen years or older to qualify for classic vehicle insurance. In addition to the vehicle, age requirements are in place for the owner as well. You must be at least 25 years of age to purchase classic vehicle insurance. A second vehicle needs to be insured to qualify for classic vehicle insurance.

Call Frederick Insurance to get started in selecting the right insurance policy for your classic vehicle today. Our agents can inform you more about the policy and help walk you through the insurance process. Contact us to get a quote.

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