Most classic car insurance policies have requirements for your car’s storage conditions. Even if there are no storage requirements, your classic car insurance premiums will consider how the vehicle is stored, since cars stored in climate-controlled and secure facilities face fewer opportunities for damage than those left outside. If you live in or near Sanger, TX, and have questions about classic car insurance, contact the Hermes Insurance Solutions team for assistance.
Classic Car Insurance and Storage Requirements
Your car’s storage conditions should reflect its value, though some insurers will not offer classic car policies for cars not stored in covered, secured facilities. Of course, indoor storage conditions vary widely, including the average garage, separate outbuildings, or 24/7 monitored facility targeted at premium classic cars. Other insurance companies will insure vehicles stored in driveways or other open locations, even though cars stored outside are subject to higher levels of vandalism and animal or other damage.
Insurers also consider your geographical location when determining storage requirements and premiums. Locations subject to salty air or winter conditions have more stringent storage requirements than less challenging areas. Your location’s climate, crime rates, and other factors may affect your rates regardless of where you store your car.
As mentioned, the general rule is to match the storage conditions with your car’s value. High-end cars need premium storage conditions. However, if you cannot store your classic car in a protected environment, your agent will try to find a policy that matches your situation.
Classic Car Insurance with Hermes Insurance Solutions
The Hermes Insurance Solutions team will help you obtain classic car insurance that meets your requirements. If you live in the Sanger, TX, area, call (940) 458-4664 today or stop at the office to schedule an appointment.
