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Ransom & Associates Insurance Agency

426 Cedar Creek Rd Ste D
Winder, GA 30680

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Georgia Classic Car insurance coverage

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Classic Car Insurance in Georgia

A classic car is no ordinary car, so it has its special category in the insurance industry. It’s a huge investment that requires adequate insurance to protect it and maintain it. At Ransom & Associates Insurance Agency in Winder, GA, we recommend buying classic car insurance if your vehicle is at least 25 to 30 years old.

Why regular car insurance does not cover classic car

Many people in Georgia often assume that the general auto insurance policy can cover their classic cars. This policy may offer basic coverages, but it may not cover the full value of the vehicle. Remember, classic cars appreciate, not the other way round. Standard policies take mileage, depreciation, and age into account when determining the value of a vehicle.

What does classic car insurance cover?

Classic car insurance is almost similar to the standard car insurance policy as it covers the following:

  • Bodily injury liability
  • Property damage liability
  • Comprehensive
  • Collision

The typical auto insurance coverages may not be adequate for your muscle car. The car must be stored in a lockable garage, used on special occasions, and kept in good condition. For that reason, you may want to add other coverages to ensure your car is fully protected.

Other special coverages include:

  • Personalized repairs
  • Roadside assistance
  • Traveling coverage
  • Spare parts protection
  • No attendance required
  • Auto show medical compensation

Unlike modern cars, which are insured based on the actual cash value, classic car insurance provides coverage based on the agreed car value. If the value increases, the car owner can adjust the coverage limit to reflect that value.

Keep in mind that not all 25-year-old cars qualify to be covered by classic car insurance. If the vehicle is imperfect or in flawed condition, most insurance companies in Georgia may decline to sell this policy. For more comprehensive coverage about classic car insurance, contact Ransom & Associates Insurance Agency in Winder, GA today.


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