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We moved to a new location! 1155 Kelly Johnson Blvd, Suite 440, Colorado Springs, CO
We moved to a new location! 1155 Kelly Johnson Blvd, Suite 440, Colorado Springs, CO
Call to Get a Free Quote
1155 Kelly Johnson Blvd, Suite 440
Colorado Springs, CO 80920
When it comes to vintage cars, you want an auto policy you can count on. As a vintage car owner, you probably have automobilia, car restorations, and unique parts and tools you want to ensure are sufficiently covered. Don’t let a distracted driver or a bad hail storm leave you stranded without coverage. From hot rods, antiques, muscle cars, custom vehicles, and more, Alliance Insurance of the Rockies will provide you with affordable classic car insurance in Colorado Springs that protects you and your vehicles.
Classic car insurance differs from a standard auto policy. If your car’s value is more than what it originally sold for, it’s most likely considered a classic or collectible car. Having classic car insurance is a must for individuals with a vintage vehicle. Here is what you can expect when working with Alliance Insurance of the Rockies to purchase your collectible care insurance:
Unlike standard vehicles, classic cars appreciate over time, so it's necessary to have an insurance policy that adjusts for any increase in value. An agreed value policy will cover the initial value of your vehicle and any appreciation. You may have to show proof of restorations, upgrades, what you paid for the car, and comparative vehicle prices to obtain the coverage you want.
If you're restoring a car, our insurance brokers can match you with a policy to fit your needs. Some insurance companies provide policies for cars undergoing restoration that cover your tools and automatically increase every quarter. To be eligible for restoration coverage, you must restore a vehicle with the original design and parts.
If you collect vintage vehicles, you most likely have many replacement parts for future constructions. A spare parts coverage policy will protect you if something happens to your specialty equipment or replacement parts. If you want protection for the spare parts you have on hand, Alliance Insurance of the Rockies can find you an affordable spare parts coverage policy.
Every classic car owner's nightmare is their car being totaled and ruined. Luckily, cherished salvage coverage policies allow car owners to keep their vehicles and still receive a payout from their insurance companies. However, the damage must occur by something already covered by their policy, such as a flood or car collision. Then, the only thing they'll have to pay is the deductible.
This insurance policy covers roadside assistance, like towing fees and fuel delivery. Some insurance companies even offer transportation, lodging, and food coverage if your car breaks down while you're a certain distance from home. This type of coverage is called trip interruption insurance.
As you probably know, collector, antique, vintage, and other classic automobiles gain value over time, so you want to protect your investment as much as possible. Some benefits of purchasing a vintage car insurance policy in Colorado Springs include:
In addition to the type of vehicle, you need to meet the following requirements.
Most insurance policies will require your car to be between 10 and 20 years old, if not more. The one exception to this requirement is that newer collector cars may still be eligible for collector car insurance.
Most insurers will also place an annual mileage limit on your car. Some insurers will even require you to own a primary vehicle for regular use to make sure you're not a daily driver of your classic car.
Another factor your policy will consider is the condition of your car. Before an insurance company provides you coverage, they want to ensure proper care of your vehicles.
Additionally, most auto insurance companies require vehicle storage in a locked, enclosed structure. The type of car storage you have will help determine how much you pay for insurance coverage.
Car accidents are a common occurrence on roads and highways across the United States, and they can have devastating consequences for those involved. Test your knowledge of car accident statistics with this quiz and discover the surprising facts and figures that may just save a life.