Classic Car Insurance Stonewall Rods and Classics doesn’t just provide classic car insurance.We offer customized collector car insurance policies to protect your vintage vehicles, street rods, antique trucks or classic motorcycles. These insurance plans include agreed value coverage for Collision and Comprehensive, spare parts coverage and full liability limits that match your regular use vehicle. Your classic car can also be insured during and after restoration, giving you complete protection. This agency believes that you should enjoy your collector car so we cover pleasure driving, and in the event of loss, you will be paid the full agreed value of your classic car. We even offer flat bed towing! We only provide the best for your classic. Our competitive rates get even lower when you benefit from discounts for insuring multiple cars and large collections.
WHAT’S THE DIFFERENCE BETWEEN SPECIALTY AND EVERYDAY INSURANCE?Specialty and everyday insurance policies differ greatly when it comes to vehicle value and compensation in the event of a loss. There are three ways auto insurance companies pay out claims:
Actual Cash Value
Most everyday insurers offer actual cash value policies. This is what an insurance adjuster says a car is worth, usually based on used car values – not the classic car market. So if a collector car is stolen or declared a total loss after an accident, it’s unlikely you’ll be compensated for its true value.
Many everyday insurers offer stated value policies for collector cars, allowing clients to set their own values. But here’s the problem: the insurer only has to pay up to the stated value, and in fact is allowed to pay the lesser of the stated value or the actual cash value, less any deductible.
Agreed Value or Guaranteed Value®
Most specialty insurers offer agreed value or Guaranteed Value®, which means you and the insurance company agree on a value for your car. If there’s a covered total loss, you’ll receive that full value, less any deductible.* The best companies don’t require appraisals, and rely on their expertise and your opinion to determine an accurate value for a vehicle.
Insuring Your Club ActivitiesStonewall Rods and Classics knows all of the nuance of clubs and club activities.
- Directors and officers
- Poker runs
- Group events
- Hosting and sponsoring car shows
- Membership duties