Month: May 2025

Avoid These Three Mistakes When Shopping for Insurance on Your Classic Car

Did you know that any car over 25 years old is considered a classic? You probably did if you’re a car collector. We have seen far too many classic car owners in Rochester, NY make mistakes with their car insurance before they came to us at Bajorek Agency Inc. Classic cars come with specific circumstances. You should try to avoid these three common mistakes when shopping for auto coverage on your classic.

1. Insuring Based on Market Value

It seems simple enough to insure your classic car based on its market value. This can be a huge mistake, though. Try to get an independent certification of your classic car based on its rarity and condition as well. You and your insurer can then both agree on this amount and adequately cover your car.

2. Not Documenting Everything

Classic cars are old, meaning they have probably had a lot of work done on them in the past. You need to be sure to properly document all of this work to present to the insurer when getting your policy. The insurance company needs to know about any modifications or upgrades you’ve done to the vehicle so they can properly ascertain its value and cover it correctly.

3. Ignoring Limitations

Insurance companies often assume that you are mostly storing your classic car so that they may limit your coverage. For example, they may put a mileage limitation on it. Please don’t overlook these stipulations on your insurance; you could be left with a big bill when making your claim.

Bajorek Agency Inc. has been helping classic car owners in the Rochester, NY, area adequately insure their classic cars for years. Call us immediately for more information on how we can help you with your insurance policy.