Antique and Collector Car Insurance in Piqua and Troy, OH
Protecting Classic Vehicles and Vehicle Owners in Greenville and Troy, OH
Antique and collector car insurance differs from standard auto insurance in that this type of insurance is often cheaper than auto insurance. One reason for this is that classic cars don’t depreciate. Another reason is that antique car insurance is based upon ‘agreed’ value and not ‘cash’ value. This means that coverage limits are predetermined by insurers and insureds. At Randall Insurance Agency, Inc. we have an all-encompassing antique and collector car insurance program through which we develop broad and flexible packages that are tailored to the needs of individual car collectors. We’re happy to customize a package for you that fully protects your vehicles and your collection investments.
Specialized Coverages Tailored to You
Classic automobiles can be restored and/or rebuilt by collectors or purchased by collectors. Regardless of the manners in which vehicles come to collectors, protection of these vehicles is often similar, although never the same. Coverages that provide this protection often include liability, collision, theft, and others. These coverages are broad and general, but they are not the only coverages necessary to fully protect classic vehicles and the owners of these vehicles. Coverages for special paint jobs, parts, and assets related to shows all require specific coverages. At Randall Insurance we offer all coverages necessary to keep insured vehicles and vehicles’ owners protected, and we work closely with clients to ensure that every policy we write is optimal.
The right coverages can be identified through information exchanges between insurers and insureds. The information exchanged often pertains to vehicle ages, conditions, and purposes as well as clients’ goals. Using this information we help clients select appropriate coverages. The coverage options from which you can choose include:
- Medical payments/No fault
- Uninsured motor vehicle/underinsured motor vehicle
- Emergency road service
- Death, dismemberment, and loss of sight
- Loss of earnings
- Instant new purchase coverage
- Spare parts coverage
- Auto show medical reimbursement
Factors that influence coverage include vehicle usage and modification levels. We will go over these and other factors in order to establish proper limits and premiums. If you have questions throughout the coverage selection process and/or the life of your policy, we will answer them.
Working with Randall Insurance to Find a Solution
As an independent insurer we work with different carriers to provide coverage options to our clients. We currently work with Hagerty and JC Taylor to provide these options and we’re very proud of the diversity and expansiveness that these two providers contribute to our coverage collection. Hagerty sponsors car auctions, and at these auctions Hagerty representatives identify prospective clients and then contact us about these prospective clients. In this way Hagerty increases our connectivity in addition to contributing to our coverage assortment.
We’ve insured antique car collectors for decades and we know markets in West-central Ohio, so we understand how to deliver the best solutions. We know how to deliver these solutions quickly and efficiently as well. Our combined experience, knowledge, and efficiency distinguish us among antique car insurers.
In addition to comprehensive products, we provide personalized, effective services. We’re available when clients need us and we also manage risk and claims. We help reduce exposures, and this helps keep clients’ costs low. We advocate for clients also, and this helps them achieve satisfactory resolutions if and when claims are filed. These and other services complement our products and together these products and services make us the premier source for antique and collector car insurance in our service area.
Randall Insurance Agency is proud to provide antique and collector car insurance in Greenville, Troy, Piqua, and Dayton, OH as well as in Richmond and Winchester, IN. We also serve other areas in Ohio and in Indiana.