Category: Classic Car Insurance

Being a classic car owner is a dream for car lovers throughout the Cincinnati, OH area. If you do buy a classic car, you will have a prized possession that can also be a great investment over the years. If you are looking to buy a classic car in this part of Ohio, getting insurance for it is critical. A specific classic car insurance plan is often a good option for those here. 

Cover the Full Value of the Car

A great reason to get a classic car insurance plan is so you can cover the full value of your car. A classic car can be a very significant investment and asset. When you get a classic car insurance plan, it can help to protect the value of your vehicle. This can include the collectible value of the vehicle, which often appreciates considerably over the years. 

Receive Liability Support

You should also get a classic car insurance plan to receive proper liability coverage. When you are going to own a classic car, you likely do not drive it very often. However, whenever you do take it out on the road, you are required to carry liability insurance. A classic car insurance plan will provide the coverage that you need but will also take into consideration the minimal mileage that you will put on the car, which can reduce your premiums.

Reach Out To Us

A classic car insurance plan is a good option for anyone with a classic car in the Cincinnati, OH area. If you are ready to start looking for a new classic car insurance policy, you can call our team with McCluskey Insurance Services LLC to discuss your needs. Our professionals with McCluskey Insurance Services LLC know the value of this coverage and can offer the help you need to build a new policy. 

Owning a classic car is a dream of many and a lifestyle for some. Classic cars are quite literally part of history, with each vehicle reflecting the technologies and design cues of its time. The most famous classic cars are also major investments and can be worth quite a bit. If you own a collectible car, it’s wise to make sure that it’s protected by classic car insurance. Contact McCluskey Insurance Services LLC, serving Cincinnati, OH to learn more.

Let’s look at some of the most famous classic cars:

Ford Model T

The Model T wasn’t the first automobile, but it was one of the first automobiles to target the masses. This immensely successful car is an important part of automotive history because, among other things, it ensured that cars became part of Main Street.

In the 1920s a Model T cost less than $300. Now many Model Ts retail for $15,000 or more. If you own such a classic vehicle, classic car insurance could protect your investment.

Ford Mustang

One of the most famous cars of all time, the Ford Mustang popularized the idea of a muscle car, namely an affordable car that offers great performance.

Chevrolet El Camino

Part pickup truck, part muscle car, the El Camino is a collector’s favorite owing to its relative scarcity (compared to peer vehicles) and unique design.

Chevrolet Corvette

The 1963 Chevrolet Corvette is one of the most sought-after classic cars. Other model years are popular as well, although the 1963 edition often enjoys the highest prices. These especially rare makes and models should be covered by classic car insurance.

Protect Your Classic Car Collection

Classic cars are worth a lot of money. While many collectors avoid driving their most prized collectors’ cars, it’s still crucial to ensure that every car is properly insured. Even if the cars are kept off the road, a storm or other event could damage a car collection.

Not sure if you need classic car insurance? Get in touch with McCluskey Insurance Services LLC, serving Cincinnati, OH and beyond.

Typically, a classic car is defined as a car that is at least twenty-five to thirty years old, though this number can vary. However, classic car insurance has other requirements beyond the age of a car. Our Cincinnati, OH team at McCluskey Insurance Services LLC is invested in educating car owners about car insurance, and the difference between classic car insurance and conventional car insurance. 

What makes a car eligible for classic car insurance?

Beyond age, the make, model, and condition of the car are often considerations when determining if a car is eligible for classic auto insurance. Classic car insurance is designed for cars in near-mint condition that are not driven as the main car. This is often the reason why classic car insurance is less expensive. These cars are insured to be driven considerably less than the main car would. They are secondary cars and not all cars are eligible for this type of insurance, despite the fact that a car may meet the age requirements.

The requirements may vary from one insurance company to the next, which means that one insurance company may deem your 1988 Ford Taurus eligible for classic car insurance, but another may not. Generally speaking, more expensive cars that may be considered limited edition, are more often the cars that are eligible for classic car insurance. 

Get Coverage For Your Classic Car Today

If you have questions about classic car insurance and are considering investing in it, we’d be happy to explore your options and determine if your car is eligible for this kind of insurance. Give us a call at McCluskey Insurance Services in Cincinnati, OH, we’re standing by.

Purchasing the right classic car can be a great investment move. Once you are done with the purchase, it’s time to think about protecting the investment by insuring it. Here are tips and tricks to get the best deal on your classic car insurance in Cincinnati, OH. 

1. Make Sure Your Classic Automobile Is in Tip-Top Condition

Many classic cars usually have some mechanical, structural, or electrical problem because of their age. When a car insurance provider finds out your vehicle is not in working perfect condition, they are likely to view it as more likely to be in an accident and more expensive to insure. They will pass this expensive cost to you as higher insurance rates. Therefore, before insuring your classic car, make sure that everything works well and is in tip-top condition. 

2. Ascertain the Value of Your Classic Car

Although most classic cars appreciate over time, some do this faster than others. Therefore, it’s easy to assume that your classic car is more valuable than it is. This will mean that your insurance premiums will be higher because the auto insurer will believe they are insuring a more expensive car. At McCluskey Insurance Services LLC, we recommend that you do a valuation for your classic car to find out its real value. Thus, you will avoid paying higher premiums than necessary. 

3. Be Vigilant About Your Classic Car’s Security

Classic cars don’t have groundbreaking security features, and they can easily be stolen. Therefore, auto insurance providers believe that classic vehicles are high risk and charge high rates. However, you can avoid these high rates by being vigilant about your classic car’s security. This involves installing a tracker, an engine cut-off device, and storing the vehicle in a locked garage rather than the driveway. 

Do you want to get classic car insurance in Cincinnati, OH? At McCluskey Insurance Services LLC, we are ready to answer all your classic car insurance questions. Call us today.