If you’re in need of classic car insurance in the state of Oklahoma, there are some things you’ll want to know about first. Be prepared by doing your research and talk to an insurance expert at Safe Insure Plus LLC to put your mind at ease.
Your Car Must Qualify
Does your vehicle qualify as being a classic car? There are some criteria that go along with this. For one, it has to be over a certain age. It also should be your second car, meaning it’s not the one that you primarily use for transportation.
Most Important Coverage for Your Classic Car Insurance
Every policy is different just like every vehicle is different. So, you’ll have you to talk about options with a reputable Pryor, OK area insurance agent.
Some of the more common types include:
- Liability Coverage: This helps you pay for any expenses related to injuries and damages for other people if you’re in an at-fault accident. No matter the vehicle you have, buy as much liability coverage as possible.
- Medical payments: If your vehicle doesn’t have advanced security features or it’s had crash test ratings that are not great, it would be a good idea to add on medical payments coverage.
- Collision and comprehensive coverage: If your car has depreciated in value by a great deal, you may be paying too much for comprehensive and collision coverages plus your deductible. If it would add up to more than the car’s value, you may not want to add these to your policy.
- Emergency Road Service: If your older car is likely to have more breakdowns, think about getting a roadside assistance policy.
Costs for Insurance
Although there’s no definite answer on how much your classic car insurance will cost without talking to an agent about your specific vehicle, note that a classic car typically costs less to insure. However, this isn’t the case if it was manufactured in another country, and/or the parts will be expensive to replace or repair.
Know What Your State Requires
Is there a certain minimum requirement in your state? An agent at Safe Insure Plus LLC can assist you in figuring out if this is the case in Pryor, OK. Reach out to us today with your questions.