Is Your Car A Collectible? Will This Affect Your Insurance?

In West Hartford, CT, a large number of our customers own and collect classic cars. How are these vehicles defined? And how does collectible insurance help you? Let us at ALLConnecticut Insurance give you the help you need when choosing this type of insurance policy.

How A Classic Car Is Defined

Classic cars are defined in various ways. For example, the Classic Car Club of America states that any vehicle that runs and which has been completely restored that was built between 1925-1948 qualifies. However, modern classics are vehicles that are 15-25 years old that have made a cultural impact or that are rare. Muscle cars from the 60s and 70s are also considered classic cars.

Does Your Car Fall Under These Headings?

If your car falls under these headings and you are interested in capitalizing on it, you will need collectible insurance. However, if you plan on driving your car as a primary vehicle, you probably won’t need it. Collectible insurance is designed to protect cars that are owned for their value rather than their use. It also covers cars that are shown off at car expos.

How Collectible Insurance Can Help

Collectible car insurance will help protect your car from damage occurred in unusual circumstances. For example, if you decide to show your collectible car off at a show, a regular insurance policy may not cover it. A collectible car insurance policy would. It can also cover certain kinds of travel expenses, such as overseas travel to a car show, that typical car insurance policies would not. Coverage is typically offered at a higher value to protect your investment.

Talk To An Agent Today

If you live in West Hartford, CT and think you own a collectible car, call us at ALLConnecticut Insurance today. We can provide you with the kind of insurance you need to keep your car safe from total loss. We may even be able to bundle your policy to cover multiple collectible cars.

How RV Insurance Differs From Regular Auto Insurance

Owning an RV is a great way to go wherever and whenever you desire. As you drive on the road with your RV, you do need insurance to protect it and other motorists. However, there is specific RV insurance designed just for your kind of vehicle. What is the different between RV insurance and auto insurance though? At AllConnecticut Insurance, we want to make sure you understand the difference, whether you live in West Hartford, CT or in the surrounding area. 

Specialized Insurance

As you are from Connecticut, you may not take your RV out throughout the entire year. If you only take it out a few months at a time it is better to go with specialized RV insurance, which allows you to insure it for only the months you are driving. 

Added Insurance Coverage

With RV insurance, you are able to include not only campsite liability but RV emergency expense coverage. Both of these kinds of insurance instances you will likely not find with auto insurance due to the nature of an RV. 

Additional Liability 

Due to the increased size of an RV over a traditional vehicle, you’ll need added liability insurance. With RV insurance, you receive a higher liability threshold. As a larger vehicle is able to cause more damage than a smaller vehicle going the same speed, this is a must. RV insurance will protect you with this added liability coverage you need. 

You have the ability to travel just about anywhere with your RV. However, you also need to protect yourself and your vehicle with proper RV insurance. We at AllConnecticut Insurance are here to answer all of your RV insurance questions and concerns, regardless of if you live in West Hartford, CT or in a neighboring city.