Insurance Matters helps you protect your classic cars, trucks, muscle cars and motorcycles. Insurance coverage for collector vehicles that are owned for limited pleasure driving, car shows, organized meets, tours and club events. This do not offer coverage on regular-use vehicles driven on a daily basis. Vehicles must be in a fully enclosed, lockable garage.
Classic Vehicle Coverages
- Antique & Classic Cars – Stock vehicles built from the turn of the century through 1969
- Exotic and Special interest – Rare or “limited production” vehicles, model years 1990 or newer such as Ferraris and Lamborghinis
- Fire Trucks – “Retired” commercial vehicles such as fire trucks, semi tractor/trailers, busses, dump trucks, and tow trucks
- Low Riders – Vehicles that have typically been modified with hydraulic or air bag suspension systems
- Military Vehicles – Older military vehicles that are purchased as collectibles. May not be used for battle re-enactments.
- Modern Classic – Have desired characteristics such as muscle cars, foreign sports cars, convertibles, and unique body shapes.
- Motorcycles and Scooters – Bikes from the late 1960’s and older that are increasing in value and meet the minimum value limit
- Muscle Cars – Typically 1960’s and early 1970’s two-door vehicles powered by large V-8 engines and built with special emphasis on performance
- Replicas – A reproduction of an automaker’s manufactured vehicle and can be either professionally assembled or home – built
- Street Rods – Performance has been significantly increased, the body/chassis/frame has been structurally altered or a customer paint job valued over $10,000
- Tractors – Must be 30 years old or older, restored or excellent original condition, consistent with a collectible vehicle with a minimum value of $3,500
- Trailers – 1) Vehicle trailers designed to carry a collector vehicle 2) Street Rod trailers commonly pulled behind Street Rods and Customs
- Trucks – Older trucks up to the mid 1960’s and shouldn’t be used for utility -type purposes
- Vehicles Under Active Restoration – Must demonstrate that the vehicle is being actively restored.
- Automobilia – Any historic or collectible item linked with motor vehicles such as gas pumps, posters, hood ornaments and more
- Automotive Tools – Personal tools used to maintain or restore collector vehicles such as toolboxes, storage cabinets and accessories