Classic Car Insurance for Collectors in Southeastern MA & South Coast MA

Your classic car has a unique story, from the months (or maybe years) of work that’s gone into restoring it to the care you’ve invested in it and the memories you’ve made with it. Morse, of course, wants to help you protect and preserve this special vehicle for generations to come by providing outstanding classic car insurance solutions.

If you’re like most of the classic car collectors we work with, you want to get out on the road with your vehicle and show it off. However, it’s important to make sure you have the appropriate (and state mandated) car insurance coverage before you take that scenic weekend drive, join in a Friday night classic car cruise, or attend a local cars and coffee event.

Morse is pleased to partner with Hagerty Insurance, the premier classic car insurance company in the world. As a result of our long-standing relationship, Morse’s collector clients have access to superior coverage options at highly competitive rates for all kinds of classic vehicles, including:

  • Collector, Classic, and Antique Cars
  • Collector Trucks, Jeeps, and SUVs
  • Hot Rods, Street Rods, and Other Modified Vehicles
  • Custom Cruisers and Imports
  • Supercars and Exotics
  • 1980 and Newer Collector Vehicles
  • Vintage Camper Trailers
  • Race Cars
  • Collector and Raced Motorcycles and Scooters
  • Classic and Antique Tractors
  • Military Vehicles
  • Retired Commercial Vehicles

Whether your specific vehicle will qualify for collector car insurance, though, will depend on a variety of factors, including the age of your vehicle, how you use and store the car, your driving record, and more. Of course, you can contact a Morse Insurance professional today for assistance in evaluating your vehicle’s eligibility.

How Does Classic Car Insurance Work?

A typical classic car insurance policy includes many of the same coverages that you’ll find in the policies for your daily-use vehicles, plus some extra elements specifically tailored for these special cars. Following are some of the required and optional classic car insurance coverages most Massachusetts policies should have:

  • Bodily Injury to Others
  • Bodily Injury Caused by Uninsured Auto
  • Damage to Someone Else’s Property
  • Uninsured/Underinsured Motorists
  • Personal Injury Protection (PIP)
  • Comprehensive Insurance
  • Collision Insurance
  • Roadside Assistance

In addition, you may want to add coverage for your car’s spare parts, automotive tools, automobilia, or trailers, as well as consider coverage options for road trip mishaps, evacuation expenses, and vehicles under construction.

A unique feature of classic car insurance coverage is that it is based on the agreed value for your vehicle. If you get in an accident, the insurance company pays up to that agreed-upon value for repairs or directly to you if the vehicle is a total loss, minus only the deductible if you have one. With agreed value coverage, you don’t have to worry about depreciation expense like you do with standard car insurance coverage.

How Much Is Classic Car Insurance ?

Classic cars are not on the road nearly as much as regular vehicles and spend most of their days safely stored away or being tinkered with and tended to by their owner. For this reason, insuring a classic car is generally an affordable investment. The actual premium you’ll pay for your specific classic vehicle will be based on a variety of factors, including:

  • Where you live and will be taking the vehicle.
  • Your vehicle’s value and classification.
  • The age and driving records of your household’s drivers.
  • Where you’re storing your car.
  • The security measures you’re implementing to keep your car safe.

Just as with traditional car insurance, there are several ways you may be able to save money on your classic car insurance policy. For example, discounts are often available to collectors who take an approved defensive driving or accident prevention course or have installed an anti-theft device on their vehicle, like an alarm or tracking equipment.

Morse, of Course, Is Here to Help You Take Care of Your Classic Car

Whether you’re just getting started in the classic car community or have built a treasured collection of classic vehicles, Morse, of course, will be a great, local resource when you have questions about your coverage, need to file a claim, want to make sure you’re receiving the most competitive rate available, or require any other type of customer support. Please call us to learn more about our classic car insurance solutions or to request a quote.

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