Specialty Auto – What is it? 

Specialty auto insurance is a type of coverage specifically designed for vehicles that fall outside the realm of standard auto insurance policies. These vehicles often have unique characteristics, higher values or specific usage patterns that necessitate specialized coverage options.

Types of Vehicles Covered

Specialty auto insurance can cover a wide range of vehicles, including but not limited to:

• Classic and antique cars—Vehicles that are typically over 20-25 years old and have historical significance or collectible value.

• High-performance sports cars—Modern vehicles with high horsepower and advanced engineering, often used for racing or high-speed driving.

• Luxury vehicles—High-end cars from premium brands that come with a hefty price tag and require higher coverage limits.

• Modified or custom cars—Vehicles that have been significantly altered from their original factory specifications, including custom paint jobs, engine modifications, and unique bodywork.

• Kit cars and replicas—Vehicles assembled from kits or designed to replicate classic or exotic cars.

Finding the Right Specialty Auto Insurance

When looking for specialty auto insurance, it’s important to work with an insurer that understands the unique needs of your vehicle. Here are a few tips to help you find the right coverage:

• Research specialized insurers—Look for insurance companies that specialize in covering the type of vehicle you own. These insurers will have the expertise and coverage options tailored to your needs.

• Compare quotes—Your agent can help you get quotes from multiple Ontario insurers to ensure you’re getting the best coverage at a competitive price.

• Understand the policy details—Make sure you fully understand the terms and conditions of the policy, including coverage limits, exclusions and any special requirements.

Contact Us

Specialty auto insurance is essential for protecting unique and high-value vehicles that fall outside the scope of standard auto insurance policies. Contact Rana Insurance in Ontario, California, for a specialty auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.