With specialty vehicle insurance, you may have access to an insurance adjuster who has the right knowledge and experience to properly assess your claim.

Another benefit to specialty auto insurance is that the value of the specialty vehicle is often much higher than traditional policies will cover. In order to ensure that you get the full value of the vehicle and that you have a policy that considers total replacement value for the specialized auto, specialty insurance is the way to go. Your policy will have what’s called an “Agreed Value” that will spell out the amount you get in a total loss situation.

Antique and collectible cars are not generally driven daily and certainly not used to run everyday errands. This means that the mileage for specialty autos is often much lower than for a non-specialty car. Specialty auto insurance policies take this into consideration when establishing your rates.