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At Bajorek Agency Inc., we provide classic car insurance in the greater Rochester, NY, area. We know that classic car enthusiasts are passionate about their unique vehicles. But what makes a car classic, antique, or vintage, and how does this affect your insurance needs?
Defining the Categories
Classic Cars: Typically, cars aged between 20 and 40 years fall into this category. These vehicles often reflect a significant period in automotive history and are usually maintained in excellent condition.
Antique Cars: To be considered antique, a car must be over 45 years old. Collectors cherish these beauties for their historical significance and rarity.
Vintage Cars: The term "vintage" often refers to vehicles manufactured between 1919 and 1930. These cars are a testament to early automotive innovation and style.
Tailored Insurance Coverage
Each category requires specific insurance considerations. At Bajorek Agency Inc., we offer coverage that recognizes these vehicles’ distinct value and usage.
Classic Car Insurance: This coverage often includes agreed-value policies, ensuring you receive a predetermined amount if the car is totaled. Limited mileage and proper storage conditions are typically required.
Antique Car Insurance: Similar to classic car policies, antique car insurance often includes coverage for restoration, spare parts, and even protection during exhibitions.
Vintage Car Insurance: Given their age, vintage cars may need specialized coverage that accounts for their historical value and potential restoration costs.
Protect Your Investment
Whether you own a classic, antique, or vintage car, it is crucial to ensure it is properly insured. At Bajorek Agency Inc., serving the area in and around Rochester, NY, we understand the unique needs of your prized vehicle. Contact us today to learn more about how we can help protect your investment.