Get to Know Your Classic Car Coverage Options from Safeco

For classic and antique car enthusiasts, the love for vintage automobiles runs deep. These timeless treasures hold a special place in our hearts, and at Safeco, we share your passion. In this guide, we’ll delve into the unique coverage options we offer for your cherished classic car. Whether it’s a meticulously restored beauty or a modified collector’s dream, we’ve got you covered.

Tailored Coverage for Your Vintage Ride

Safeco understands that classic cars are more than just vehicles; they are a piece of history and a symbol of craftsmanship. That’s why we offer a range of coverage options designed specifically for your antique automobile. Let’s explore these coverages in detail:

Standard Classic Car Coverage

1. Agreed Value Coverage

Preserving the value of your classic car is our top priority. With Agreed Value Coverage, you’ll receive the pre-determined amount agreed upon when you took out your policy if your classic car is declared a loss. This ensures that your investment is protected, and you can continue to enjoy your vintage ride with peace of mind.

2. Limited Use Coverage

If you drive your classic car sparingly, with an annual mileage of 5,000 miles or less, you could pay less for your insurance. Limited Use Coverage recognizes that classic cars are often driven for special occasions and events, and we offer discounted rates accordingly.

3. Roadside Assistance

Breakdowns can happen, even to classic cars. With our optional 24-Hour Roadside Assistance, you won’t be left stranded. From jump starts to tows, we’ve got you covered, ensuring that your vintage ride stays on the road where it belongs.

Optional Classic Car Coverage

4. Emergency Assistance

When you’re out enjoying a drive in your classic car, unexpected situations can arise. Our Emergency Assistance coverage includes all the benefits of Roadside Assistance and goes further by providing coverage for expenses like taxi fare, lodging, and protection for personal belongings, including tools and spare parts left or stored in your car.

5. Diminishing Deductible

We reward responsible classic car owners. If you remain claim-free, we’ll reduce your collision deductible by $100 with each annual policy renewal, up to a maximum of $500 or for five years. This means you pay less out of pocket in the event of a claim.

6. Personal Property Coverage

Your classic car often carries valuable personal items, whether it’s memorabilia, tools, or spare parts. Personal Property Coverage pays the actual cash value of these covered personal items that need to be replaced due to a covered loss.

More Coverage Options to Explore

Safeco offers a wide range of additional coverage options to cater to the unique needs of your antique automobile. To discover the best coverage for your classic car, connect with a licensed independent agent near you. They’ll work closely with you to ensure that your vintage ride is protected to your satisfaction.

Savings for Classic Car Enthusiasts

At Safeco, we appreciate the dedication of classic car enthusiasts. That’s why we offer discounts to help you save on your classic car insurance:

1. Take an Accident Prevention Course

If you’re a collector who successfully completes an approved accident prevention course, you’ll receive a discount that lasts for three years. This discount is typically available to drivers who are 55 years or older.

2. Less than 5,000 Miles per Year

Keep your annual mileage below 5,000 miles, and you’ll qualify for limited use rates. We understand that classic cars are often driven for special occasions, and we reward you for driving responsibly.

3. Bundle and Save

Insure your classic car alongside your regular auto with us, and you can qualify for a multi-car discount. Additionally, when you bundle your classic car insurance with other policies like motorcycle, home, boat, or RV insurance with Safeco, you may also be eligible for a multi-policy discount.

Safeguard Your Timeless Treasure

Your classic car is more than just a mode of transportation; it’s a piece of history and a source of joy. Safeguard your vintage ride with the right coverage from Safeco and continue to cherish every moment behind the wheel.

Connect with Safeco Today

Your classic car deserves the best protection, and Safeco is here to provide it. To explore the ideal coverage options for your antique automobile and ensure that your prized possession is safeguarded, don’t hesitate to reach out to a licensed independent agent near you. They possess the expertise needed to tailor a policy that suits your classic car’s unique requirements, ensuring your cherished ride remains a symbol of timeless beauty.

Stay Informed with Safeco’s Mobile App

Managing your classic car insurance has never been more convenient. With the Safeco Mobile App, you can access your policy information and take care of important tasks on the go. Here’s what you can do with the app:

• Obtain ID cards
• Pay your bill
• View policy documents
• Get roadside assistance when needed

Download the Safeco Mobile App on iOS or Google Play to have your policy at your fingertips, even on the go.

Common Classic Car Insurance Questions

Are you seeking answers to your classic car insurance queries? Take a look at these frequently asked questions:

1. What kinds of classic cars does Safeco insure?

Safeco specializes in covering a wide range of classic cars, including modified collector cars, reproductions, replicas, restorations, modern classic cars, and antique autos. Our insurance is designed for vehicles with unique features and intrinsic value, often retaining or appreciating in value over time. It’s important to note that our classic car insurance does not cover kit cars, restoration cars rebuilt to less than 50 percent, cars designed for racing, or those equipped with a jet or nitrous oxide engine. To determine if your classic car qualifies, consult a local independent agent.

2. What qualifies a car as “classic”?

Classic cars encompass a variety of vehicle types, depending on their age and characteristics. Here’s what makes a car “classic” for insurance purposes:

• Classic Cars: Must be at least 10 years old and can include modified antiques and limited production models.
• Modern Classic Cars: Limited production cars less than 10 years old.
• Antique Cars: Must be at least 25 years old and either have no modifications or have been restored to their original condition.

Specific eligibility criteria may apply, so it’s advisable to consult your local independent agent to confirm if your car qualifies for Safeco classic car insurance.

3. Is there an annual mileage limit for classic cars?

Safeco offers flexibility when it comes to mileage limits for classic cars. You can choose between two options:

• Regular Use Coverage: Allows you to drive your classic car for up to 10,000 miles per year.
• Restricted Use Coverage: Restricts your annual mileage to 5,000 miles or less.

This flexibility ensures that you can select the mileage limit that best suits your driving habits and needs.

4. What does “agreed value” mean in classic car insurance?

Before issuing your policy, Safeco collaborates with you to establish an agreed value for your classic car. This value is determined based on your car’s market value and condition. In the unfortunate event that your classic car is declared a total loss due to theft or damage, you will receive the agreed-upon amount, with only the deductible deducted. It’s recommended to review your policy with your agent annually to ensure that the agreed value remains accurate.

5. Do I have to insure my other cars or home with Safeco to purchase classic car insurance?

No, Safeco allows you to insure your classic car as a standalone policy. However, if you choose to bundle your classic car insurance with your regular auto insurance, you may qualify for a multi-car discount. This option provides added convenience and potential cost savings, making it a favorable choice for many classic car enthusiasts.

Your classic car represents a piece of history and a testament to automotive craftsmanship. Safeguard your passion and preserve your investment with the comprehensive coverage options and savings available through Safeco classic car insurance.