You can only control your driving
If you’re a classic car enthusiast, you know that your vehicle is more than just a mode of transportation – it’s an investment. And like any investment, it needs to be protected properly. At ZRM Brokerage, we understand the unique insurance needs of classic car owners and offer specialized coverage to give you peace of mind and protect your investment.
Our team of experts will work with you to customize a policy that fits your specific needs. We’ll take into account the value of your car, its intended use, and any special storage or restoration requirements. Whether you’re taking your classic car to a show, on a tour, or just keeping it in a garage, we have the coverage options to fit your needs.
Exceptional coverage solutions for exceptional vehicles
Start with investing in the basics for your classic car insurance. The coverage found in typical auto insurance policies, such as liability (bodily injury and property damage), collision, comprehensive, and uninsured/underinsured motorist coverage are all appropriate for your classic vehicle. Once the basics are secured, your antique and classic cars — vehicles built over 30 years ago — have enhanced insurance needs as well. As an investor, consider the following when purchasing insurance:
- Vehicle Usage — Your policy should factor the limited mileage put on your classic automobile and can also cover seasonal use only.
- Vehicle Storage — Storing a vehicle in a fully enclosed, locked garage may protect more than your vehicle. This is important in regions with cold and inclement winter months or storms and leads to a reduced total cost of risk.
- Vehicle Valuation – These cars may be one of a kind and difficult or impossible to replace. Agreed-value policies work to your advantage by providing coverage for up to the full amount listed on the policy, less your deductible.