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How to Know Whether to Choose Classic Car Insurance or Traditional Car Insurance.

If you’d like to learn more about classic car insurance and how to best protect your investment, we encourage you to contact Steiner Insurance Group today. Our agents work closely with you to find out which policies best meet your needs. We proudly serve Nashville, NC, and the surrounding area. Let us help you determine if classic car insurance is the right choice for your vehicle. 

Classic Car Insurance Protection

When choosing between classic car insurance and conventional auto insurance, one has to determine the automobile’s market demand, rarity, and value. This type of insurance typically covers cars that are deemed vintage, collector, or antique and are at least 25 years old or older and have increased in value over the years. They usually have special policy terms that can consider the owner’s needs other than just typical coverage. These terms include agreed value coverage, parts insurance coverage, and low mileage packages. 
However, daily driver types of cars that are used for frequent purposes would do best with traditional auto insurance. This type will suit perfectly any average driver of a vehicle who does daily shopping or goes to the market very often. Still, it is inappropriate for those who use their car for exhibitions or parades and cover less than 3,000 miles a year. Unlike classic car insurance, which covers vehicles driven for everyday use such as commuting and errands, collector car insurance caters to the needs of collectible vehicle owners. It provides for standard liability, collision coverage, and comprehensive coverage. To identify the right one, consider whether your vehicle is valuable and over 25 years old. Also, the market value of the car should be considered. Classic car insurance policies might be ideal if you only have a rare, beautiful car driven occasionally. 

Classic Car Insurance Near Nashville, NC

Classic car insurance is a must for valuable, well-maintained vehicles. If you want to learn more about how classic car insurance can provide you with the protection you need for your cherished classic vehicle, we are waiting to assist you. Steiner Insurance Group, serving Nashville, NC, is here to provide top-notch service. Call or stop by today to speak with one of our agents. 

Is Your Car a Classic?

You have a budding car collection but aren’t sure if your vehicles qualify for classic car insurance. That’s an understandable situation that our team at Steiner Insurance Group can help you understand. We can help Nashville, NC residents know whether their cars are genuinely classic or not.

Traits of a Classic Car

A classic car is any vehicle at least 25 years old, adequately maintained, and in great running condition. It may also refer to vehicles with a specific design, such as sports or muscle cars, that produce a unique and appealing look. Often, classic cars are no longer produced. 

That rarity makes classic cars more valuable, and their insurance focuses on their unique status. It includes things like damage protection, delivery costs (if you take your vehicle to car shows), and even replacement protection that covers the vehicle’s actual cost to keep your investment safe.

Elements of an Antique Vehicle 

You might hear the terms “classic” and “antique” used pretty interchangeably. However, they’re not quite the same thing in the car world. As we mentioned previously, a classic car is at least 25 years old and might be in excellent condition or even run regularly by its owners.

By contrast, antique vehicles are older than 45 years old and probably rarely, if ever, get run. That means they require a slightly different kind of insurance suited to their specific needs. Make sure you talk with your insurance provider to learn which option is right for you.

We Can Help You

At Steiner Insurance Group, our team of professionals can help Nashville, NC, car collectors find policies that work for them. Classic car insurance is an important step that can keep your vehicle protected and minimize potential damage, ensuring it stays safe for years.

How insuring your classic car is different

In North Carolina, a classic car is a car that is between 20 and 40 years old, and there must be something distinctive that makes it a classic – instead of just old. Steiner Insurance Group in Nashville, NC can explain the differences in coverage for standard automobiles and classic cars.

How is classic car insurance different?

Insurance for your classic car is different than the policy you would get for a relatively new vehicle you drive daily. A classic car may not be your regular daily driver if you want to get a special classic car policy. One of the qualifications for this kind of insurance is that you have another vehicle you drive daily.

Limits on a classic car policy

There are limits on how many miles a classic car can be driven. It can, for instance, be driven in a parade, to local car shows, and even for some occasional pleasure cruising. There is usually a yearly limit. You can drive it all you want, but you will have to get a standard policy at some point.

How the insurance works

Whether a car is a classic is determined mainly by age, but there must also be other significant reasons that it is not just an old car. The value of regular cars is fairly straightforward, but not so with the classic car. When insuring a classic car, the value to the owner is part of the equation, and to some extent, that is negotiated when writing the policy.

The major difference

The value of a classic car is determined before the policy is written. The value of a regular vehicle is determined when an accident happens.

Call the Steiner Insurance Group in Nashville, NC for more information about insuring your classic car.

Classic Car Insurance and Classic Motorcycle Insurance Explained

If you’re a classic car or motorcycle enthusiast in Nashville, NC, you may wonder if classic car insurance also covers motorcycles. After all, both vehicles are considered classics if they’re older than 25 years old. The answer is yes and no—it depends on the insurer and your chosen policy.

Steiner Insurance Group is happy to help. Here we explore what coverage options are available for classic cars and motorcycles. 

Classic Car Insurance Coverage Options 

Classic car insurance is designed to provide financial protection for vintage cars that are at least 25 years old. Generally speaking, when insuring a classic car, an insurer will determine the vehicle’s value based on its condition, age, make and model.

This type of coverage typically includes liability protection (in case you damage someone else’s property while driving), physical damage coverage (in case your vehicle is damaged in an accident), and uninsured/underinsured motorist coverage (in case you’re hit by another driver who doesn’t have enough auto insurance). 

Classic Motorcycle Insurance Coverage Options 

The same type of coverage option is available for classic motorcycles that meet the same age requirements as classic cars. However, some insurers may require additional documentation before offering coverage on a vintage motorcycle. For example, some insurers may require proof that the bike has been modified or restored to qualify for certain types of coverage. Additionally, some insurers may require inspections before offering coverage on a vintage bike. 

Contact Us Today

Ultimately, whether or not classic car insurance covers a classic motorcycle depends on the insurer and the policy you choose. if you own a vintage vehicle in Nashville, NC — whether a car or a motorcycle — contact Steiner Insurance Group to get the right type of coverage for your specific situation.  

Common Misconceptions About Classic Car Insurance

If you’re like most people, when you think of classic car insurance, you probably think of a policy that’s expensive and hard to get. You may even believe that only the wealthy can afford it. But that’s not always the case. In fact, there are several misconceptions about classic car insurance that many people believe. Steiner Insurance Group in Nashville, NC offers a look at a few of the most common ones. 

Common Misconceptions About Classic Car Insurance

1. It’s Similar to Regular Auto Insurance

One of the most common misconceptions about classic car insurance is that it’s similar to a regular auto insurance policy. The truth is, there are some key differences between the two. For instance, while classic car insurance typically covers vehicles that are at least 25 years old, regular auto insurance policies can cover almost any vehicle. Additionally, classic car insurance will consider the use of your vehicle when determining whether to classify it as a "classic." This means that if you only use your vehicle for special occasions, such as car shows or club meetings, you may be eligible for a classic car insurance policy.

2. It’s Only for the Wealthy

Another common misconception about classic car insurance is that it’s only for the wealthy. While it’s true that some high-end classic cars may be more expensive to insure, that doesn’t mean that all classic car insurance policies are out of reach for the average person.

3. It’s Difficult to Get

Another common misconception about classic car insurance is that it’s difficult to obtain. The truth is, classic car insurance is actually quite easy to get if you know where to look. There are a number of insurers that offer classic car insurance policies, and many of them can be found online.

Do you own a classic car? Steiner Insurance Group in Nashville, NC offers classic car insurance policies that are tailored to your needs. Contact us today to learn more about our coverage options and how we can help you protect your investment.


How Does Classic Car Insurance Work?

If you own a classic car, it has its own concerns that later-model cars don’t have. Owners of classic cars need to have specialized insurance for classic cars in order to have good protection against risks that these cars come with. When you live in North Carolina and you need classic car insurance, give us a call today at Steiner Insurance Group in Nashville, NC to find out more. 

Classic Car Coverage

The basic model of classic car insurance is the same as that of regular vehicles. Onto this is added the types of coverage only needed by classic cars. When your car is a classic, it’s always best to get classic car insurance instead of regular auto insurance. A classic car policy will have the same basic coverages as regular auto insurance, including bodily injury liability for the injured caused to other people, and property damage liability for damage your car does to someone else’s property. It is also a good idea to get coverage for uninsured motorists as well as collision insurance to pay for your own vehicle’s damage after an accident that you cause. 

Classic Car Additions

Classic car insurance also includes some aspects that are unique to this type of insurance. One of these is agreed value coverage. This is protection that covers your classic car for a specific value of the car instead of simply figuring out a value based on its model and year. Classic car insurance also has a flexible usage allowance. This allows you to insure the car based on how often you use it. Some classic car owners have a vehicle that they don’t often drive, while others drive theirs every day. Your insurance will reflect the frequency of usage. Classic car insurance also includes roadside assistance 24/7 in emergencies. 

Get Your Classic Car Covered

For classic car insurance, call us at Steiner Insurance Group in Nashville, NC.

Why should someone in North Carolina get a classic car insurance plan?

Those that are in the Nashville, NC area and love cars will likely dream of owning a classic car. A classic vehicle is not only a fun vehicle to drive and show off, but it can also be a good investment that will grow in value. As you are looking for a classic car, you also need to choose a quality insurance plan. There are a few reasons why someone here should get classic car insurance.

Protect Value of Vehicle

One of the advantages of having a classic car insurance plan is that it can protect the value of your vehicle. If you are going to invest in a classic car, it is an asset that could appreciate in value. This differs from most other vehicles that typically decline in value. With a classic car insurance plan, you and the insurance provider will negotiate a fair replacement value that will be based on the collectible value of the car. 

Offers Liability Protection

No matter what type of vehicle you want to drive in North Carolina, you will be required to carry liability insurance. With a classic car, you will likely drive the vehicle sparingly throughout the year and insurance term. As your actual liability risk is lower due to reduced annual mileage, you will receive an insurance plan and premium that reflects this. 

Choosing a classic car insurance plan in the Nashville, NC area is always a big decision. If you are looking for classic car coverage here, it would be wise to call the Steiner Insurance Group. When you do call the Steiner Insurance Group, you can learn a lot about your insurance options. You can then choose a plan that will provide you with coverage that is ideal for your situation. 

Partner Carriers

  • american-modern
  • cna
  • encompass
  • foremost
  • hagerty
  • kemper
  • mdow
  • mercury
  • northstar
  • progressive
  • safeco
  • statewide-general
  • travelers