Collector or Specialty
Protect Your Classic Car with Tailored Coverage
When it comes to insuring your classic or specialty car, you shouldn’t have to worry about whether your policy is up to the task. With our specialized coverage, you can rest easy knowing you’ve got the best protection for your pride and joy—no matter where the road takes you.
What we cover
Regular car insurance? That’s for everyday drivers. But you’re not everyday. You need a policy built for your classic or collector car—something that not only covers it, but respects it. That’s why we offer classic car insurance that includes:
Agreed Value Coverage
No more guesswork. We’ll settle on your car’s value based on a professional appraisal, so you’re fully covered for what it’s truly worth.
Car Show Coverage
Take pride in showing off your ride? We’ve got you covered with special protection for when your vehicle is on display.
Expert Repairs
Exotic cars require exotic expertise. You’ll have access to repair specialists who understand your vehicle inside and out.
Comprehensive Insurance
Protects your vehicle from theft, fire, vandalism, severe weather, or even a runaway shopping cart.
Why The Ford Agency
At Ford Insurance, we know that your car isn’t just a way to get from point A to point B. Whether you’ve got a cherry red vintage beauty or an exotic showstopper, your ride deserves the kind of coverage that’s as unique as the vehicle itself.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
