Classic Car Insurance in Iowa

Most Iowa residents looking to diversify their car collection opt for classic cars. They are beautiful, unique and most importantly, they do not lose value. One way to protect this investment is by insuring it. A significant advantage of classic car insurance is the agreed value coverage. That means you and your insurer agree on a valued policy that will not decrease over time if anything happens to your car. Besides that, to ensure your vehicle is adequately protected, Heimgartner Insurance Inc. in Sioux City, IA walks you through the standard auto coverage options for your classic car.

Bodily Injury Liability

If you cause an accident with your classic car and injure a third party, this coverage helps pay for medical bills plus the lost wages resulting from the injuries. This coverage can also cover your legal fees if the injured party takes you to court over the accident. The coverage only applies to a third party. If you have suffered injuries as well, they are not covered.

Collision Coverage

This coverage will help pay for repairing or replacing your classic car if involved in an accident with another vehicle or object like a fence or tree.

Property Damage Liability

This type of coverage helps pay for any damage you have caused another person’s property or car. The policy covers the resulting expenses of repairing the damaged property.

Comprehensive Coverage

Comprehensive coverage will help pay to repair or replace your classic vehicle if it is not a collision-related accident. Things like theft, fire, and vandalism are covered here.

In some ways, classic car insurance differs from standard auto insurance. That is why if you have bought a classic car in Iowa and are looking to insure it, you should consult with a knowledgeable agent. Here at Heimgartner Insurance Inc. of Sioux City, IA, we can help you figure out how classic car insurance works. Call us today, and we will gladly assist you in insuring your vehicle.