Category: Classic Car Insurance

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.

Rebuilding a classic car to its original specifications is a labor of love for many enthusiasts in and around the Rochester, NY location, but ensuring its protection is equally important. Classic car insurance offers specialized coverage tailored to the unique needs of vintage vehicle owners, providing comprehensive protection for their cherished investments.

Restoring Your Classic Car Model to Specs

Rebuilding a classic car to its original specifications involves meticulous attention to detail and sourcing authentic parts to recreate its original condition. Whether a vintage muscle car, a timeless American cruiser, or a European sports car, rebuilding a classic to its former prestige requires focus, expertise, and a love for automotive history.

Protecting Your Investment with Classic Car Insurance

Classic car insurance protects vintage vehicles from various risks, including theft, damage, and liability. Unlike others, this type of insurance considers classic cars’ unique value and usage patterns, offering specialized coverage for collectors and enthusiasts.

The policies provide agreed-value coverage, which ensures that total losses are paid to the policyholder at the full agreed-upon value of the vehicle without depreciation. This guarantees that owners can recoup their investment and restore or replace their classic car to its original condition.

Moreover, classic car insurance goes the extra mile by often including features such as spare parts coverage, roadside assistance, and coverage for specialized equipment used to restore or maintain classic cars. These additional benefits are not just perks. They’re a source of comfort, assuring owners that their prized possessions are fully protected against unforeseen events.

Let Bajorek Agency Inc Give You Information

Bajorek Agency Inc. is here to assist you with all your classic car insurance queries and requirements. We’re dedicated to serving the Rochester, NY, region. Contact us today.

Owning a classic car comes with some responsibility since you want to preserve its look for a long time. While it may seem like natural wear and tear will happen, there are some things you can do to project the classic car exterior and prevent long-term damage from developing.  Bajorek Agency Inc., serving the greater Rochester, NY region, is here to assist with classic car insurance and related assorted tips. 

Protecting Your Classic Car Exterior

1. Your Car Cover Matters

Not all car covers are the same, and the best way to protect your classic car is to invest in one made from breathable material so that moisture is not trapped. Too much moisture can damage the paint on a classic car and cause it to peel over time. In areas with lots of snow, the air will increase with humidity, and that moisture will get trapped beneath a tarp or other car cover. 

2. Park Under a Shelter

The last thing you want to do with your classic car is park it directly in the sun for long periods. The sun will cause the paint to dry out and peel, causing long-term damage to the exterior. The same goes for parking under trees that drop leaves, nuts, and sap all over the car. The best practice is to make sure that you are storing your classic car under a shelter where the outdoor elements are controlled. 

3. Wax Your Classic Car

Every time you wash your car, ensure you finish with wax. This provides an additional layer of protection, which is important when you are driving the car or having it out at shows for others to enjoy. The damage from the elements is minimal when the car is waxed regularly. 

Schedule A Consultation Today

If you are a classic car owner in the greater Rochester, NY area, feel free to reach out to our agents at Bajorek Agency Inc. for a personal quote today. 

You work hard to keep your classic car looking new for car shows or personal satisfaction. However, have you fully committed to doing all you can to make it last longer and run safely in future years? At Bajorek Agency Inc in Rochester, NY, we offer comprehensive classic car insurance and the following tips for preserving your antique vehicle.

Classic Car Maintenance Tips

Just Say No to Nonoriginal Upgrades

To maintain the value and functionality of your investment, keep as many of the original parts as possible. If you cannot keep all the parts that rolled off the line with your car, find stock parts from the same era to safeguard your vehicle’s value, function, and vintage charm.

Maintenance (Yes, Please)

Regular maintenance should start with oil changes. You or your mechanic should also check the battery, spark plugs, tires, ignition wires, rotor, filters, and other parts. Replace or repair parts when they become unsafe to utilize and don’t forget to top off your fluids regularly.

Waxing the car frequently can protect the original paint, so add that to your maintenance schedule. Additionally, washing the car with a soft rag and gentle automotive soap can help prevent the buildup of grime and road salt, protecting the chassis.

Store Your Classic Car Securely

Park your car in a garage or protected space. You can always show it off at the next show or cruise. Installing video cameras and alarms can help you feel confident that your pretty baby stays stay and sound.

Take It for a Spin

Rubber tires can dry out fast when you leave your car sitting. For many reasons, you should take your car around the block and down the road a few times a month. Besides, it’s another opportunity to show off your classic muscle car, Model T, or luxury vehicle.

Reach Out To Us

Contact Bajorek Agency Inc in Rochester, NY to discuss must-have options for your classic car insurance.

Do you own a classic car? Is it adequately insured? When it comes to insurance for a classic car, most claims adjusters have little or no experience when accessing the damage. If you live in or around the Rochester, NY area, the insurance professionals at Bajorek Agency Inc. can provide the coverage you need.

While there are a few major insurance companies that insure vintage or classic cars, you do not get the specialized care you would get with an insurance company that specializes in classic cars.

Here are some features found on a standalone classic car policy that you would not find on a regular car insurance policy:

• Most car insurance companies only pay claims on the actual cash value of the car. For a classic car, it will be insured on an upfront agreed-upon value basis.
• You have much more flexibility in your choice of body shops if you have a repair claim.
• Additional coverage is available for parts, tools, and accessories.
• Superior roadside assistance coverage that goes beyond what a regular auto insurance policy provides.
• Coverage on equipment and automobile brought to auto shows.
• In the event you own multiple classics, you only pay one liability premium rather than one on each car as you would with regular car insurance.
• As long as it isn’t driven as your primary vehicle, there are no restrictions on mileage.
• An option for zero deductible is available.
• Appreciation (rather than depreciation) of coverage. Some vehicles will qualify for appreciation, which means the agreed-upon value will rise.
• Enhanced labor coverage and towing.

Contact Us Today

Your classic car hobby is an expensive one and one that needs specialized care. Let the insurance professionals at Bajorek Agency Inc. in Rochester, NY provide you with a quote. 

Classic cars usually have a problem or two because of their old age. If you own a classic car that’s not in perfect condition in Rochester, NY, you must wonder whether it’s possible to get classic car insurance. Yes, you can buy classic car insurance if your vehicle is not in perfect condition but here is also what you should expect.  

Classic Car Insurance: Getting the Best Coverage

1. The Existing Problems Won’t Be Covered

Auto insurance is supposed to protect you and your vehicle against unpredictable risks. However, since the existing issues with your classic car are already there. They will be excluded from coverage, and so will the other problems that may arise later because of the existing issues with your vehicle.

2. Higher Insurance Rates

If your classic car is not in perfect condition, the auto insurance provider will see it as a high-risk asset and charge you higher insurance rates. This is because a vehicle not in excellent working condition is more likely to cause an accident that will result in more significant injury to persons and property damage. 

How To Lower The Cost of Classic Cars?  

Bajorek Agency Inc can help you opt for non-owner classic car insurance, which only covers against bodily injury and property damage to other cars and has no auto attached. If your classic car is not running, we recommend that you purchase a parked classic car insurance policy, also known as "storage insurance." It can bring down your premiums by up to 80%. 

Give Us A Call

Are you in the greater Rochester, NY community and looking for more info on classic car insurance? Contact us at Bajorek Agency Inc, and we will answer all your questions.

Suppose you own a 1964 Pontiac GTO or a 1967 Chevrolet Camaro. In that case, you might wonder whether you need car insurance from Bajorek Agency Inc. After all, your classic vehicle isn’t a daily drive. The reality is that your antique car is required to have car insurance just like other vehicles. Your collector’s car poses risks to other road users like other standard cars, and that’s why you are required to purchase classic car insurance.

Mandatory car insurance coverages in New York

If you own a car in Rochester, NY, or other parts of New York, you must include the below coverages in your car insurance.

• Property damage liability: This coverage covers you when you cause an accident, causing property damage to other people.
• Bodily injury liability: Assume you cause an accident that injures a pedestrian or another motorist. You will be responsible for their medical costs. Thankfully, you don’t have to incur this from your pocket since car insurance takes care of it.
• Property injury protection (PIP): This insurance policy compensates you for partial loss of income and pays for your medical expenses following a road accident.

New York is a no-fault state, meaning that your insurance policy is responsible for your injuries and damages. Simply said, regardless of who caused the accident, everyone claims compensation from their insurance.

Optional classic car insurance coverages

While you are required to include the above coverages in your classic car insurance, you may opt for optional classic car insurance coverages for well-rounded protection of your vintage car. Here are optional classic car insurance coverages to consider.

• Comprehensive and collision coverages
• Roadside assistance
• Uninsured/underinsured motorist coverage
• Spare parts coverage
• Cherished salvage coverage

Would you like to protect your heritage with classic car insurance? If you are in Rochester, NY and its environs, please contact Bajorek Agency Inc. for an affordable quote.

Living in the north, we’re no strangers to intense storms and natural disasters: Rochester, NY, alone, experiences blizzards, hurricanes, and flooding. The worst flooding happened in 1865, leaving one-fourth of the city underwater. Flooding and storms still occur today. Classic cars receive damage from these storms and disasters every time they happen. At Bajorek Agency Inc, we understand the need to protect the significant investment made in classic cars. 

Minimum Liability Coverage Requirements

All vehicles driven in New York must carry a minimum amount of liability coverage. Coverage must include: 

• $10,000 property damage per accident
• $25,000 bodily injury per accident
• $50,000 for the death of one person involved per accident
• $50,000 bodily injury for two or more people per accident
• $100,000 for the death of two or more individuals per accident

Specialty Insurance Providers Navigate Nuances

General insurance providers may not specialize in all the ins and outs of classic vehicles. After damage occurs, the general insurance provider may only opt to reimburse you for the vehicle’s blue book value based on the year, make, and model. A specialty insurance provider understands the time put into these vehicles and the replacement cost of custom parts. 

Three Value Levels to Understand

There are three value definitions that insurance providers use to decide the amount of payment after a damage claim is made. These values are: 

• blue book value
• stated value
• agreed-upon value 

Bluebook value goes off the year, make, and model of the car, regardless of the modifications or restoration. This definition usually provides the lowest insurance payouts. The stated value is the value given by the insurance provider guidelines to start as a baseline value. The premiums may be higher or lower based on the vehicle and its modifications. Agreed-upon value offers a guaranteed minimum amount of payout when a claim is processed, which can help replace custom and hard-to-find parts. 

Contact Bajorek Agency Inc

Faithfully serving Rochester NY, and the surrounding areas, Bajorek Agency Inc is happy to help you pick proper protection for your New York classic car coverage needs. Contact us today for a free quote!