Specialty Automobile Insurance
Specialty Automobile Insurance Information
Whether You Are Looking for Antique and or Collectible Auto Insurance, Specialty Auto, Motorcycle, Golf Cart, or Four Wheeler Insurance Coverage, - We Provide Insurance to Front Royal, Winchester, Strasburg, Luray and Manassas, Virginia
If you don't own an average car, why would you settle for average auto insurance policy? Specialty auto insurance is a great fit for individuals who own collectible and/or antique cars and vehicles.
Specialty vehicles are obviously different from standard issue autos, but there are some differences that can be especially troublesome when searching for insurance coverage. First, there is the challenge in assessing the cost of certain types of damage to a specialty vehicle. With specialty vehicle insurance, you may have access to an insurance adjuster who has the right knowledge and experience to properly assess your claim.
Another benefit to specialty auto insurance is that the value of the specialty vehicle is often much higher than traditional policies will cover. In order to ensure that you get the full value of the vehicle and that you have a policy that considers total replacement value for the specialized auto, specialty insurance is the way to go. Your policy will have what’s called an, “Agreed Value” that will spell out the amount you get in a total loss situation.
Antique and collectible cars are not generally driven daily and certainly not used to run everyday errands. This means that the mileage for specialty autos is often much lower than for a non-specialty car. Specialty auto insurance policies take this into consideration when establishing your rates. They also understand that standard safety measures may be missing and while a traditional auto insurance policy might penalize a driver for that, specially the auto insurance is tailored to that lack of safety devices.
Thank you for your interest in Athey Insurance Services, Inc. if you are ready to begin your quote please use the quote form above. If you have additional questions you can contact us via email or call 540-635-6744 (local) or 800-296-1814 (out of town and need to file a claim).