Is Classic Car Insurance Needed In Pennsylvania?

There are a lot of things to do in Pennsylvania. From the metropolitan cities of Philadelphia and Pittsburgh to the theme parks of Hershey, residents can stay busy with plenty. Plenty of tourists visit the state each year as well and this can put a lot of people out on the roads.

When you have an antique collectible on the roads, you want to look at classic car insurance. It’s not needed, but you will need some kind of car insurance if you’re going to drive legally on the roads of Pennsylvania. Standard insurance simply isn’t going to be enough financial protection.

The reason you want classic car insurance is because of the way your antique will be valued. If you choose standard insurance, it’s going to depreciate your car and if it’s 30 or 40 years old, it may not give you the money needed after an accident to make a replacement.

However, with classic car insurance, the value of the collectible is calculated differently. It’s based upon how much it is actually worth in today’s market. This way, whatever antique car you have, it could be repaired or replaced following an accident.

When you’re out on the road in your collectible, you need peace of mind knowing that if something happens, you are protected. An accident can happen when you least expect it and that’s why you need to have sufficient insurance.

Our agents can help to find car insurance for your antique. Whatever the year, make, and model, we can meet the minimum requirements for insurance in Pennsylvania and then look at other coverage options as well. This will ensure that you are well protected and won’t have to worry about how much the insurance company will give you for your car.

Is Hail Damage Expensive Coverage To Add To My Policy?

When you live in Pennsylvania, there are a lot of things to keep busy. Depending on where you live, there’s the bustling cities of Philadelphia and Pittsburgh with the premium restaurants and historic museums. There is also the flavorful and fun town of Hershey, Quaker towns, and more. Summers are warm and winters are cold, providing a full four seasons to enjoy.

As you think about buying a car insurance policy, you have to look at what the policy is going to protect against. Hail damage can happen with any major storm. This can affect your clear coat and the actual frame of your car.

In Pennsylvania, there are minimum car insurance requirements. You will be required to maintain a certain amount of liability insurance for property and personal damages. However, hail damage is not something that is covered in a standard policy.

You will need to add comprehensive insurance to your policy to get the hail damage so you can have clear coat repaired if needed.

Comprehensive insurance does not have to be an expensive coverage option. When you’re spending the money on a policy anyways, the additional coverage may be less than $20 a month depending upon all of the factors that go into your policy.

Spending the extra money on your monthly premium can make a lot of sense. If you have hail damage, it can affect your clear coat, your paint, and cause divots on the front of your car. The hail can even come down with enough force to crack a windshield. These damages are not something you want to pay on your own and that’s why it can be best to spend the money on the car insurance policy.

Call one of our agents today where we can get you quotes in Pennsylvania to shop for an affordable policy.