{"id":234,"date":"2024-05-27T04:00:00","date_gmt":"2024-05-27T10:00:00","guid":{"rendered":"https:\/\/www.timhuberins2.com\/blog\/?p=234"},"modified":"2024-05-15T15:18:46","modified_gmt":"2024-05-15T21:18:46","slug":"three-things-you-need-to-know-about-classic-car-insurance","status":"publish","type":"post","link":"https:\/\/www.timhuberins2.com\/blog\/three-things-you-need-to-know-about-classic-car-insurance\/","title":{"rendered":"Three Things You Need to Know About Classic Car Insurance"},"content":{"rendered":"<p>Classic car insurance and regular car insurance aren&rsquo;t the same.&nbsp;For one, getting classic car insurance is impossible unless your car is at least 20 years old. There are also storage requirements and usage limitations to abide by. For instance,&nbsp;it&#8217;s important the vehicle gets stored somewhere safe and secure. Secondly, owners cannot use their classic cars to drive anywhere. That&#8217;s why you typically see these types of cars only at car shows and other special occasions.&nbsp;Some other significant differences include:<\/p>\n<ul>\n<li><strong>Cost<\/strong>: Classic car insurance is usually cheaper than regular car insurance. One reason&nbsp;behind this&nbsp;is that classic cars&nbsp;aren&rsquo;t usually driven&nbsp;as much as new models.<\/li>\n<li><strong>Coverage<\/strong>:&nbsp;Many classic car insurance policies offer specialized coverage options customized for classic cars, such as coverage for expert repair services or vintage parts.&nbsp;<\/li>\n<li><strong>Actual value vs. agreed value<\/strong>:&nbsp;Classic car insurance uses an agreed value to assess the&nbsp;amount of the payout&nbsp;to give you if your car gets stolen or lost. The agreed value is the amount you and your insurer agreed as the&nbsp;value of the&nbsp;car&nbsp;at the start of the policy. Regular car insurance goes by the actual cash value system. In other words, your payout&nbsp;is based&nbsp;on your car&rsquo;s depreciated value at the time of the claim.<\/li>\n<\/ul>\n<p>Classic car insurance has a lot of benefits for owners in St. Augustine, FL, but it&rsquo;s still important to shop around and compare quotes from different insurers to&nbsp;ensure&nbsp;you&rsquo;re getting the best coverage for your specific classic car at the best price. Our agents at Tim Huber Insurance&nbsp;will walk you through the terms and conditions of your policy so you get a comprehensive understanding of what&rsquo;s covered and what&rsquo;s not.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Classic car insurance and regular car insurance aren&rsquo;t the same.&nbsp;For one, getting classic car insurance is impossible unless your car is at least 20 years old. There are also storage requirements and usage limitations to abide by. For instance,&nbsp;it&#8217;s important the vehicle gets stored somewhere safe and secure. Secondly, owners cannot use their classic cars [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[5,6],"class_list":["post-234","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-st-augustine-fl","tag-tim-huber-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.timhuberins2.com\/blog\/wp-json\/wp\/v2\/posts\/234","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.timhuberins2.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.timhuberins2.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.timhuberins2.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.timhuberins2.com\/blog\/wp-json\/wp\/v2\/comments?post=234"}],"version-history":[{"count":1,"href":"https:\/\/www.timhuberins2.com\/blog\/wp-json\/wp\/v2\/posts\/234\/revisions"}],"predecessor-version":[{"id":235,"href":"https:\/\/www.timhuberins2.com\/blog\/wp-json\/wp\/v2\/posts\/234\/revisions\/235"}],"wp:attachment":[{"href":"https:\/\/www.timhuberins2.com\/blog\/wp-json\/wp\/v2\/media?parent=234"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.timhuberins2.com\/blog\/wp-json\/wp\/v2\/categories?post=234"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.timhuberins2.com\/blog\/wp-json\/wp\/v2\/tags?post=234"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}