Classic car insurance policies often require specific storage locations for vehicles. Insurance companies also consider the storage location and facility when determining rates, as climate-controlled, secure facilities are more likely to limit potential damage to cars. If you live in or near St. Augustine, FL, and have questions about your classic car or other insurance coverage, contact the Tim Huber Insurance team for assistance.

Classic Car Insurance and Storage Requirements

Some insurers will not write policies for classic cars not kept in covered and secured facilities, while others will handle vehicles stored in a driveway or similar location. However, as mentioned earlier, insurance companies will consider your car’s storage conditions when determining your premium. Cars left in the open more easily suffer animal and wind damage, as well as vandalism. Indoor storage can range from a backyard garage to a dedicated outbuilding to a secured facility appropriate for high-end classic cars, and the proper storage often depends on your car’s value.

Insurers also consider your location. St. Augustine is subject to humidity and salt in the air, which can factor into the level of protection your car needs and your insurance pricing. So, the general rule is to match the level of storage your classic car needs with its value. However, if you cannot store your classic car in a protected environment, ask your agent to find a policy that matches where you plan to store your car.

Classic Car Insurance with Tim Huber Insurance

The Tim Huber Insurance team will help you design classic car insurance that meets your requirements. If you live in the St. Augustine, FL, area, call us today at (904) 824-2555 or stop by so we can assist you with all your insurance needs.