What is a 19-A Endorsement?

Typically an appraisal is required and submitted to your insurance once the policy is issued. If a total loss event occurs then you will receive no more or no less than the agreed (appraised) value.

What is Classic Car Insurance?

This is a type of insurance available to vehicles over 25 years old. Certain restrictions apply such as mileage (ie: vehicle is not your primary vehicle). The benefit is cheaper yearly premiums and better coverage.

Where do I get Classic Car Insurance?

Most brokers have some kind of classic package available, however since this type of insurance is continually changing, please do not hesitate to contact me if you need further information!

What can I expect to pay for Classic insurance?

For planning purposes, every $10,000.00 dollars worth of coverage will cost about $100.00. So if your car appraises at $30,000.00, then you should expect to pay approximately $300.00/year.

When should I get a new appraisal?

Every 3-5 years or as directed by your insurance company. You may also consider getting a new appraisal each time you have made a major investment in your vehicle.

Why is Classic Car Insurance cheaper than my regular policy?

The reality is that classic cars spend more time in the garage than on the road. There are certain limits placed with classic insurance that decrease the chance of being in an accident. So overall, there are less claims with classic cars therefore, less premiums required to pay out.

When should I get Classic Car Insurance?

Typically, anything with it's own wheels requires it's own insurance and is not covered by your home policy. Insurance should be put on the vehicle once you have paid for it. Prior arrangements can be made with your insurance company. If you purchased your vehicle in boxes, you should still get insurance and have the value updated as you progress through the rebuilding process. Home insurance typically does not cover boxes of car parts.

I have heard about cheap insurance for my newer motorcycle. What is that all about?

There is a new program through Legends Insurance that is similar to classic car insurance that may reduce your premium substantially. There are restrictions on the use of the bike and a yearly mileage cap.

I have purchased a new car. Are there any cheaper insurance plans for me?

Maybe, there is an Insurance plan that caters to new specialty vehicles that is subject to mileage and usage conditions. Contact Legends Insurance for details at 1.800.830.9423 or www.legendsinsurance.com