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Grove Insurance Agency

319 E. Main St.
Brownsburg, IN 46112

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How Does Classic Car Insurance Limit Driving Miles?

Classic car insurance offers a higher value payout if you need to file a claim for damage, a totaled car, or theft. It uses guaranteed value, also called agreed value, instead of the depreciated value. At Grove Insurance Agency, we want Brownsburg, IN, residents to understand the trade-offs when purchasing this high-value insurance. Limited Driving Time Classic car insurance typically limits the vehicle owner to 1,000 miles of driving per year.

Considered pleasure driving, many policies specify that the vehicle can be driven in parades, car shows, and other similar events, but not as a primary vehicle. Some policies offer more mileage, typically up to 2,500 miles per year. This reduced driving time lowers the risk of an auto accident, thereby reducing the risk incurred by the insurance agency.

Garage Requirements

Most classic car policies, including those from Grove Insurance Agency, require that you park your classic vehicle in an enclosed garage space. This provision protects the vehicle from hail, rain, debris blown by wind, and other types of damage. You give up parking in your driveway or under a carport.

Repair Shop Requirements

Some classic car policies let you choose any repair shop you need, but others limit you to local shops. This can vary between policies issued by the same carrier due to the underwriter, so check your potential policy before purchasing it. You can ask your insurance agent to amend the policy to allow you to choose the nearest specialty shop for your make of vehicle or classic or vintage vehicles.

Contact Grove Insurance Agency Today

Let our office help you insure your vintage or classic vehicle. Contact Grove Insurance Agency serving Brownsburg, IN, for more information or to start a quote.

I have an old Chevette. Am I eligible for classic car insurance?

Many of us have old cars that we still drive from time to time. However, old doesn’t always equal classic. Although the definition of a classic car can vary from one insurance company to the next, there are general guidelines that fit the definition of a classic car. The team at Grove Insurance Agency is dedicated to educating Brownsburg, IN drivers on the basics of classic car insurance.

What is classic car insurance?

Classic car insurance doesn’t have a definition that’s set in stone. In fact, insurance companies set their own definition of what’s classic. However, there are general factors that define a classic car. Typically, classic cars are 25 years old or older. However, even that number can fluctuate a little bit. Classic cars also have some sort of historical interest and may even be limited edition. As a result, not all old cars fall into the category of classic.

Classic cars are usually kept in mint condition and may be restored vehicles. Classic cars can’t be primary vehicles. In other words, these vehicles are usually not the primary car driven but the secondary car and aren’t driven daily. Classic car insurance differs from conventional insurance in that the classic car is insured for its agreed-upon value. You and the insurance company agree on the value of the car. However, classic car insurance carries similar coverage to conventional car insurance. 

I have an old Chevette. Am I eligible for classic car insurance?

Maybe. Of course, it will be up to the insurance company of your choice. However, if you’re driving your car daily, or it’s your primary vehicle, it’s unlikely that you can insure it as a classic car. Also, if your car is in poor condition, it’s also likely that your car wouldn’t be eligible for classic car insurance.

We Are Here To Help

If you have questions about classic car insurance, call us at Grove Insurance Agency in Brownsburg, IN. We’d be happy to answer your questions. 

How Does Classic Car Insurance Differ From Comprehensive Coverage?

If you own a classic car in Brownsburg, IN, you know it’s not just a vehicle—it’s a piece of history. And like any other valuable asset, you want to ensure your classic car is properly insured. But what kind of insurance do you need? Here we break down the differences between classic car insurance and comprehensive coverage with Grove Insurance Agency so you can make the best decision for your needs. 

What is classic car insurance? 

Classic car insurance is designed specifically for classic vehicles. To qualify as a classic car, the vehicle must be between 15 and 20 years old at the minimum, depending on the carrier. Classic cars are typically used for pleasure driving and are not used as a primary mode of transportation. 

What is comprehensive coverage? 

Comprehensive auto insurance covers damage to your vehicle that is not caused by a collision. This can include damage from theft, vandalism, weather, or animal strikes. Comprehensive coverage is not required by law, but it is often required by lenders if you have a loan on your vehicle. 

How do classic car insurance and comprehensive coverage differ? 

The most significant difference between classic car insurance and comprehensive coverage is that classic car insurance has agreed value protection. This means that in the event of a total loss, you will receive the full agreed-upon value of your vehicle—regardless of its actual cash value. Comprehensive coverage does not have agreed value protection, so you would only receive the actual cash value of your car in the event of a total loss. 

Reach Out To Us!

If you’re looking for an affordable policy with agreed value protection, contact Grove Insurance Agency today. We’ll work with you to find the perfect policy for your classic car in Brownsburg, IN.

How Do I Take Care of My Classic Car?

Over the years, your classic car has seen many miles on the road. It has been in rough weather, and it has been in clean weather. It has been in the rain and the sun. It has been on the highway and in the parking lot.

Keeping a classic car well maintained is a challenge. But, it is essential to do so to keep the car in good condition. You can do a lot to keep your vehicle in top shape.

At Grove Insurance Agency, we’re huge fans of classic cars, and we love helping Brownsburg, IN keep theirs protected for years to come.

Here are some of our best tips:

Practice safe storage. Even the best-maintained classic cars need to be stored safely when not being used. Some people keep their classic cars in a basement or garage. If you don’t have a garage or a space inside for your car, you’ll need to find a cool and dry place.

Inspect your tires every month. It’s easy to forget about your tires significantly if you don’t drive your classic car often. You don’t want to find yourself in a horrible situation. Rotate your tires every 5,000 miles and never have them longer than 40,000 miles. (That goes for the spare too!)

Do regular check-ups too. Your oil and cooling systems are a significant priority, so check those fluids diligently. You’ll also want to check your battery, especially if your classic sits for long periods. Take it out for a spin to maintain the charge and check for any signs of a problem under the hood.

Keep the interior conditioned. It’s easy to neglect the interior of your classic car when you’re focused on keeping the outside looking and running well. Sun damage is always a danger, so try to minimize it with a car cover or window shades. You’ll also want to check out dashboard treatments.

Contact Us Today

If you live in Brownsburg, IN and need insurance to protect your classic car, please stop by Grove Insurance Agency today!

How to do I know if my car is a classic car

Car lovers understand the value of owning a car that is not right off the showroom floor. Whether it is antique, vintage or classic, these cars showcase the best of American auto manufacturing. If you own one of these cars, you probably want to make sure that you have the correct car insurance to protect your investment. At Grove Insurance Agency in Brownsburg, IN we are known for providing expert advice and for the quality of the service we give our customers. 

To be considered a classic car, a car needs to be more than 20 years old. In Indiana, historic cars are defined as being 25 years or older. This allows them to be registered for a lower fee and to apply for a historic license plate that is appropriate to the year of the vehicle.  To be eligible it can’t be used primarily for transportation and must be restored, maintained, owned, or operated as a collector item or an investment.

For insurance purposes, the definition of a classic car is somewhat different, and it may differ from one carrier to another. Having an insurance agent who is knowledgeable about classic cars and the best way to insure them is important. With a classic car, it is important that you get an expert appraisal, so you have enough coverage to get your car repaired if it should be damaged. You and your carrier need to agree on the value of your classic car. 

Classic car insurance may be the only way to get enough coverage to protect your vehicle, but it does come with some drawbacks such as limits on the number of miles you can drive in a year. 

When you need to talk to someone about your classic car insurance, contact Grove Insurance Agency in Brownsburg, IN.