Why Classic Car Insurance?
Classic Car Insurance Insures your antique vehicle for a set value called Agreed Value. When we agree on the value of your collector vehicle and the vehicle is declared a total loss you will be paid the dollar value of your car listed on the policy and will not be lowered/adjusted for depreciation or wear & tear.
On a regular auto policy your vehicle would be cover as Actual Cash Value, and you would be paid based on today's market price set by the insurance company and then depreciated for wear & tear.
In the event the antique car is damaged, on a Classic Car Insurance Policy you can take the vehicle to the shop of your choice and the Hot Rod Insurance Company will pay the repair bill (no hassle over shop rates and custom parts).
Collector Car Insurance is a lot less than regular auto insurance, because antique vehicles are driven less and are well maintained causing less claims.