Classic Car Insurance
Protecting Antique and Collector Cars in Des Moines and Urbandale, IA
Classic cars take large investments of time, effort, and energy to restore and maintain. Parts research and ordering, interior refurbishing, and motorized parts tests are among them, and each of these investments is worth a lot to a collector. To protect investments and the cars in which he or she invests, a collector needs some form of specialized security, and insurance provides this security. At Davis Insurance we have a comprehensive classic car program that meets every collector’s needs for the right prices. The policies we write through this program are broad and flexible and evolve as policyholders’ needs evolve.
Specialized Coverages for You and Your Vehicles
There are different kinds of collectible vehicles, including antiques, hot rods, and ‘collectibles,’ and each of these different kinds of vehicles needs specific insurance. At Davis Insurance we insure ‘classic cars,’ which are often between 20 and 25 years old. Our classic car policies extend to other types of cars however, so depending on the vehicle you own, we can adapt our program to fit your needs.
Most general classic car policies cover a great number of risks, including natural elements like fire, water damage, and sleet/hail and man-induced damages like scratches and scuffs and theft. We’ll talk with you one on one to get a sense for which coverages you need most, and once we identify these coverages we’ll develop an optimal solution. We write policies with a number of different carriers, and this is one of the advantages of being an independent agency; it gives our clients more coverage choices. These policies have ‘agreed value’ coverage, which means that you help us determine the most appropriate coverage limits. You know your car better than anybody, and this is why we allow you to help establish the limits of your protection.
The coverages available to you include:
- Guaranteed value coverage
- Flexible usage
- Roadside service and benefits
- Automatic quarterly value increases
- Additional tool coverage
- Low annual premium
- Trip interruption coverage
- Parts, tools, and personal effects
- Accidental death coverage
- Spare parts coverage
- Automobilia coverage
- Surety bonds
The above coverages are just some of the options available to you. Depending on your needs and the coverages you select, as well as the limits of your coverages, you’ll be able to take advantage of exclusive benefits and discounts. These benefits and discounts include a multi-vehicle discount and a specialized usage discount. Contact an agent to get started.
Why work with Davis Insurance?
You’ll have access to all that our provider-partners afford their clients; flexible usage, special roadside service and benefits, expert claims handling, money-saving discounts, and unparalleled service and knowledge. We’ve insured classic cars for years and we have a passion for these vehicles. We educate ourselves about different models, trends, and shows and we freely educate clients as well. This education and others of our services make owning, maintaining, and using collector cars easy and fruitful.
At Davis Insurance we are proud to provide classic car insurance in Des Moines, Urbandale, West Des Moines, Johnston, Waukee, and Polk City, IA. We also serve other areas in the state and we serve Nebraska and Arizona.