We know that classic cars come in all shapes and sizes. Each one deserves special protection! We also know that not all collector cars are used in the same way. You may drive your classic car regularly or you may only take her out of the garage for shows and special occasions. Tulsa Insurance Guy can help you select a Tulsa classic car insurance policy based on how many miles you drive, the age of your car, and any custom modifications.
We strive to provide policies that cater to the unique needs of each individual. Our classic car insurance policies allow our clients to protect their valuable assets while receiving the best rates available.
Standard Tulsa Classic Car Insurance Coverage Options
At Tulsa Insurance Guy, we partner with over 80 nationally-recognized insurance carriers who offer classic car insurance. Many of these carriers offer the same basic coverage options as regular auto insurance, including:
- Bodily Injury Liability
- Property Damage Liability
- Personal Injury Protection (PIP) and Medical Payments (MedPay)
- Uninsured and Underinsured Motorist (UM/UIM)
- Comprehensive Coverage
- Collision Coverage
Agreed Value for Your Classic Car
Regular cars lose their value over time due to the adverse effects of wear and tear. Classic, collectible and vintage cars, however, are a different story. Most classic cars increase in value over time.
With agreed value classic car insurance coverage, you will receive the amount we agreed upon when you took out your policy minus the deductible if your car is declared a total loss after being stolen or damaged.
Enjoy your Classic Car On the Road
While some classic car insurance companies restrict your use of the vehicle, our carriers allow you to drive your classic car up to 10,000 miles per year with a regular use option. If you drive your classic car less than 5,0000 miles per year, choose a limited use option to save on your premium.
Classic Car Roadside Assistance
With classic car roadside assistance as part of your policy, you will be able to get back on the road quickly. This option covers towing to the nearest qualified repair shop as well as other basic emergency services such as changing a flat or delivering fuel, oil, or other essential fluids. Flatbed tow trucks are available upon request.
Classic Car Emergency Assistance
This Tulsa classic car insurance coverage option Includes all the benefits of roadside assistance plus coverage for expenses such as taxi fare, lodging, and protection for personal belongings left in the vehicle.
Diminishing Deductibles
Are you looking for a Tulsa classic car insurance policy with a diminishing deductible? We represent several nationally-recognized carriers that have this as an option. To qualify for this policy, you must remain claim-free. You can reduce your collision deductible by $100 with each annual policy renewal, for a maximum of $500 or five years.
Policies That Suit Your Driving Habits
If you drive your classic car less than 5,000 miles a year, you qualify for limited use rates! This type of Tulsa classic car insurance policy is great for individuals who drive a daily use car but like to drive their collector cars on weekend tours, leisurely fall trips, or special events.
Bundle Your Classic Car Insurance & Save!
At Tulsa Insurance Guy, we are passionate about both saving money and offering streamlined insurance solutions. By combining your class car and regular car insurance with the same carrier, you can qualify for a great discount! Many discounts are available for individuals who also bundle their car insurance with motorcycle, home, boat, or RV policies.
Consider Winter Storage for Your Classic Car
Significantly lower your Tulsa classic car insurance rates when you reduce your coverage to just comprehensive during the winter months that your classic car is not driven and cozily stored in a safe garage. When the cruising season begins again, our team will help you reinstate your liability and other types of coverage on your policy.
Tulsa Classic Car Insurance FAQs
At Tulsa Insurance Guy, we are passionate about providing our clients with the information they need to make important decisions regarding their Tulsa classic car insurance policies. Here are answers to some of our most frequently asked questions:
What types of classic cars is Tulsa Insurance Guy Agency able to insure?
Tulsa Insurance Guy specializes in covering classic cars, modified collector cars, reproductions, replicas, restorations, modern classic cars, and antique autos. We understand that the classic cars we insure are unique and have intrinsic value. They also tend to retain or increase in value over time. We would love to discuss whether your vehicle is eligible for this type of coverage.
What if I have a collection of classic cars?
We have carriers that will insure your entire classic car collection, whether you’re a collector of just one or two cars or you own a fleet of 100.
How old does my car need to be to qualify as a classic car?
To qualify for Tulsa classic car insurance coverage, cars must be at least 10 years old and can include modified antiques and limited production cars. Modern classic cars must be limited production cars less than 10 years old. Antique cars must be at least 25 years old and have no modifications or have been restored to their original condition. Other restrictions may apply depending on the carrier you select.
Do I have to keep my classic car in a garage?
Yes, the majority of the insurance carriers we represent require that your classic car is kept in a garage. To qualify for Tulsa classic car coverage, your car must be stored in an enclosed, locking garage or storage facility.
Can I get coverage for my classic car limousine service?
Yes! However, this type of coverage is not included in your personal insurance policy. We offer commercial auto insurance policies for this unique situation. The majority of classic cars that we cover are used for personal use only. Our commercial division offers coverage on classic cars used for any delivery, business, or commercial purpose.
Is there an annual mileage limit?
It depends on which carrier you select for your Tulsa classic car insurance. For the most part, our companies offer the option of regular use coverage, allowing you to drive your car for up to 10,000 miles per year. Restricted use coverage allows you to drive up to 5,000 miles per year.
Are pets covered by my classic car insurance policy?
Yes! If this is a concern of yours, we can provide you with carriers that will pay for veterinary expenses or death benefits if your cat or dog is injured or dies in a collision.
What does the agreed value mean in regards to classic car coverage?
Before issuing your policy, the Tulsa Insurance Guy team works with you to agree on the value of your car. The agreed value is based on your car’s market value and condition. If your car is declared a total loss after being stolen or damaged, you will receive that amount minus the deductible you will pay. It’s a good idea to review your classic car insurance policy on an annual basis to ensure the agreed value is still accurate.
What is the process of determining the value of my car?
The agreed value of your classic car can be approximated by consulting various sources including vehicle appraisals, the DuPont Registry™, ClassicCars, pr Buy Classic Cars.
Where can I drive my classic car?
The majority of our classic car insurance carriers will cover you and your car in the continental United States and Canada.
How do I make a claim on my Tulsa classic car insurance policy?
If you need to make a claim on your classic car policy, our customer service representatives are ready to guide you through the claims process. A majority of our carrier’s claims centers are open 24/7.
Do I have to insure my other cars or home with the same company?
No, your classic car can be insured by itself. However, if you insure your classic and daily driver on the same policy, you can qualify for a multi-car discount.
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