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Heimgartner Insurance Inc.

4708 Morningside Ave
Sioux City, IA 51106

Heimgartner Insurance Inc. Blog

When is it a good idea to get a classic car insurance plan in Iowa?

Being a classic car owner can be an excellent option for anyone who loves vehicles and classic assets in the Sioux City, IA area. When you buy a classic car, you should also have the right insurance. For classic car owners, this means having a classic car insurance plan instead of a traditional auto plan. There are various situations in which having a classic car insurance policy is a good idea. 

When Value is Expected to Increase

A great situation when you should have a classic car insurance plan is when you expect the car to increase in value. Most auto insurance plans take into consideration that a vehicle will go down in value over the years. However, as classic cars can actually go up over time, you will want an insurance plan that accounts for it. A classic car insurance plan will take this into consideration. 

When Driving a Limited Amount

An advantage of a classic car insurance plan is that it can be curtailed to reflect your actual liability risk. Your liability risk is low as you likely do not drive a classic car frequently. A classic car insurance policy will consider your actual mileage when building a policy and quoting a premium, which could be beneficial. 

If you are in the Sioux City, IA, area and want to get a classic car, you will want to know that you are getting the right insurance for it. If you are looking for a new insurance plan, it would be a great idea to call our team at Heimgartner Insurance Inc. Our professionals know the value of this coverage and can ensure you receive proper support to select a new plan. 

Can I take my classic car out for a weekend drive under a classic car policy?

Unlike the vehicles people drive every day, a classic car provides a different experience, whether that experience is based on a time, brand, technology, or styling. Whatever turns your crankshaft, part of the joy of owning a classic car comes from driving it, so your classic car insurance policy should factor into your plans for driving the vehicle. If you are considering acquiring a classic car policy, contact the Heimgartner Insurance Inc. team serving Sioux City, IA, and we’ll create the policy that best meets your needs.

Classic Car Insurance

Classic cars are different from everyday vehicles, as are the insurance policies covering them. Everyday vehicles depreciate with age and mileage, and your coverage is based on that assumption, while the agreed value drives classic car insurance.

Another key difference is how the two types of policies handle mileage. Classic car insurance is not designed for everyday use and almost always has an annual mileage limit. However, while mileage limits exist, you have flexibility in determining those limits based on:

-How often you drive and show your car

-How far you live from the show or rally locations

-Whether you trailer your car when traveling longer distances

So, if one of your goals in owning a classic car is to take it on weekend cruises, an estimate of your weekend driving miles should be built into your mileage assumptions when signing up for your policy.

Working with Heimgartner Insurance Inc.

The Heimgartner Insurance Inc. team is here to answer your questions and help you obtain the classic car insurance that fits your needs. If you are in the Sioux City, IA, area, call or visit us today for all your insurance needs.

Three factors to consider when you buy classic car insurance

At Heimgartner Insurance Inc, we can meet the insurance needs of classic car owners in Sioux City, IA. If you want to learn more about classic car insurance, get in touch with us today.

Classic car owners need to consider quite a few different factors when they purchase an insurance policy for their vehicle.

The following are three factors to consider when you buy classic car insurance:

The value of your classic car

The value of your classic car is an important factor because classic car policies ideally offer agreed-value coverage.

With agreed value coverage, an insurance claim following a total loss will be guaranteed to provide you with a certain amount rather than offering you a reduced amount if your vehicle has depreciated in value. 

The frequency with which you use your classic car

Insurance providers typically won’t offer classic car insurance coverage on a vehicle that is used too often. These policies are generally only available for "limited use" vehicles.

You’ll therefore want to discuss how frequently you use your vehicle with your insurance provider. 

The types of coverage you want to have on your policy

Like other types of automobile insurance, classic car insurance policies can offer numerous different types of coverage.

All classic car insurance policies should include liability coverage. As options, you can also purchase collision, comprehensive, and uninsured motorists coverage. Carefully consider these various coverage types to get the coverage you want and need for your classic car. 

Reach Out To Us

You need to get quotes on classic car insurance policies available to you in Sioux City, IA before you choose one. Get a classic car insurance quote from us today at Heimgartner Insurance Inc so that you can find the right policy. 

Do I Need Special Coverage if I Take My Classic Car to Shows Or Rallies?

If you’re a classic car enthusiast, you’ve probably been to at least one car show or rally. These events are a lot of fun and give you a chance to show off your prized possession. However, if you’re unsure whether or not you need special coverage for these events, don’t worry – we’re here to help. Heimgartner Insurance Inc in Sioux City, IA can help you navigate this important coverage.

Here are the insurance requirements for classic car shows and rallies:

Do You Need Special Coverage?

It depends on a few factors, such as the value of your car and the type of event you’re attending. If you’re taking your classic car to a local show or rally, chances are it’s not worth enough to warrant special insurance coverage. But if you’re taking your car out of state or to a major event, it might be a good idea to get some extra protection.

What Will the Classic Car Policy Cover?

So you’ve finally taken the plunge and decided to show your classic car at a rally or auto show. Congratulations! But before you load up your prized possession on the trailer and head out, you might want to consider getting some special insurance coverage for it. Here’s what you need to know.

Your classic car is probably already covered by your auto insurance policy, but the coverage might not be enough to protect you if something happens to your car while it’s on display. That’s where a classic car insurance policy comes in.

A classic car insurance policy is designed to give you peace of mind by providing additional protection for your classic car. Here are some of the things that a classic car insurance policy can cover:

  • Damage to your car while it’s on display
  • Theft
  • Vandalism
  • Accidental damage to other vehicles or property

So if you’re planning on taking your classic car to a show or rally, get the right insurance coverage from a reputable company such as Heimgartner Insurance Inc in Sioux City IA.

Contact Us Today

If you’re still not sure if you need special coverage for your classic car, Heimgartner Insurance Inc in Sioux City, IA is always happy to help. Give us a call or stop by our office, and we’ll be more than happy to answer any of your questions.

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