When it comes to protecting your prized classic car, where you store it matters more than you might think. At Heimgartner Insurance Inc. in Sioux City, IA, we often talk to collectors who are surprised to learn how much their storage choices influence their classic car insurance coverage and premiums.
Why Storage Conditions Impact Coverage
Classic cars aren’t just vehicles—they’re investments. Insurance companies recognize this and want to ensure your car is kept in a safe, controlled environment. A secure, enclosed garage significantly reduces the risk of theft, vandalism, and weather damage. Conversely, if your classic car is parked on the street or in an open carport, you may face higher premiums or even limited coverage options.
The Difference Between Garages and Storage Facilities
Not all storage solutions are created equal. A private, locked garage on your property provides insurers with peace of mind. However, if you use a professional storage facility, the insurance company will likely evaluate that location as well. Is it climate-controlled? Does it have security measures in place? These factors can influence your eligibility for certain policies or discounts.
A Small Investment with Big Protection
Upgrading your storage solution might seem like an extra expense, but it could save you money on your insurance in the long run. Additionally, it provides peace of mind knowing your classic car is protected from the elements and unexpected threats.
If you’re unsure whether your current storage setup meets your policy’s requirements, now is the perfect time to find out. Contact Heimgartner Insurance Inc. in Sioux City, IA, today. We’re happy to review your coverage and help ensure your classic car is stored—and insured—the right way.
