- 7/14/17 -
American Heritage Insurance Agency is a Carroll County, MD classic car auto insurance agent whom represents a variety of national and regional classic car insurance carriers. What this means is that we work on your behalf to compare the various personal classic car insurance policies from a variety of insurance carriers to find the policy or combination of policies which best fit your needs and budget.
Insurance for class cars is unique because the cars typically cost more money to repair. The main reason for this is that the rarity of parts makes a true replacement something which will cost the insurance company more, and therefore you more for the coverage of any potential damage. This is why it is best to partner with an insurance agency who can find you the best insurance coverage for your specific vehicle without breaking the bank.
There are three types of classic auto insurances you will want to consider when shopping around for classic car insurance in Carroll County, MD.
Classic Car Liability Coverage
This type of coverage helps when you get into an accident and you’re at fault. Maryland is a fault state, which means the money to cover damage to the other driver’s vehicle typically comes out of the insurance of the person at fault for the accident. This is where classic car liability coverage comes in to help.
Classic Car Collision Coverage
Regardless if you’re fully or partially at fault for the accident, it doesn’t mean you can’t get insurance assistance to fix your own classic car. Your classic car collision coverage will pay for any needed repairs resulting from the accident.
Classic Car Comprehensive Coverage
This type of coverage goes above and beyond typical auto accidents and covers events like vandalism, car theft, flood, etc. You may want to carefully consider comprehensive coverage for your classic car, because it can truly help save you a lot of money on unforseeable damage to your classic car.