Cruising around in your classic car is fun and exciting. However, getting insurance on it can be confusing and overwhelming. That is what we are here for at the Hurst Hofer Agency Inc. Classic/collector car insurance is not the same as your average car insurance and requires a very specific type of policy. 

When you register your collector/classic car you will most likely be registering it as an older vehicle so the DMV will not evaluate it at true market cost, which is a standard insurance procedure. This means that if you have an accident, or a loss, you would have to pay any difference in cost of claim out of pocket. 

Regular car insurance is for active daily driving which puts you on the road frequently. Classic car insurance policies are for less frequent driving which equates to less road travel. With this in mind your average classic car policy should have lower premium costs associated with it, however, most classic/collector car insurance providers will likely require proof of a "daily driven" vehicle, that will allow for the lower cost insurance policy for your classic vehicle. 

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What types of policies & coverages:

- Collectors Policy- This type of policy is an appreciating value asset coverage policy for a wide variety of collectibles such as 

   - vehicles at their agreed upon value

   - vintage books

   - comic books

   - trading cards

   - art work

   - action figures

   - guns

   - military memorabilia

   - sports memorabilia

   - wine collectibles

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- Custom Car & Hot Rods

 These types of cars are unique in that they have been modified significantly so if there was a loss it may be costly. With these policies there is a "total loss" assumed risk applied at the very beginning that is assessed by you. Your should take into account all modifications done to the vehicle and what it would take to replace in the event of a total loss. Some insurance carriers we work with here at the Hurst Hofer Agency Inc. even cover your vehicle if it is in for restoration. 

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- Exotic Cars & Collector Imports-

 These types of vehicles must be 20 plus years old. The coverages are the standard for collector/classic vehicles and come with the average deductibles and discounts. 

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- Antique & Classic Motorcycle-

 There are special qualifications for certain insurance carriers who handle antique and classic motorcycle polices we deal with here at the Hurst Hofer Agency Inc.  such as :

  - all motorcycle operators must have at least five years riding and licensing experience

  - all household licensed drivers must have a daily use vehicle

  - no more than one at fault accident or moving violation within the last three to five years for up to two household members. all DUIs and reckless driving commits cannot be within ten years. 

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