Category: Classic Car Insurance

Does Classic Car Insurance Cover Engine Damage?

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Ask any classic car enthusiast in Beaumont, TX, what makes their ride special, and nine times out of ten they’ll point to the engine. It’s the roar, the rumble, the part that makes the car more than just a showpiece. So it’s natural to wonder if your insurance through JD Insurance Group will step in when the engine has trouble. The answer isn’t as simple as yes or no; it depends on how the damage happens.

When Coverage Kicks In

Classic car insurance is meant to cover sudden, unexpected events. If your engine gets damaged in a wreck, or by something like a fire or flooding, that usually falls under your policy. The same goes for theft or vandalism. The focus is on protecting against losses that couldn’t have been avoided, not everyday wear.

What’s Considered Your Responsibility

If the engine simply wears out, seizes up from age, or breaks down because of a mechanical issue, that’s on you. Insurers see those problems as maintenance issues, not insurable events. It might feel frustrating, but that’s the same standard applied to regular auto policies as well.

Exploring Add-On Options

Some carriers do offer specialty coverage that goes further, especially if you’ve put serious money into rebuilding or restoring the engine. It’s not standard, but it’s worth asking about if you have a lot invested under the hood. Contact us and we can help figure out this part.

Engines are what make these cars come alive, and they’re often the costliest part to fix. Knowing exactly where your insurance helps, and where it doesn’t, keeps surprises from draining your wallet and lets you focus on enjoying the ride instead of worrying about it.

Contact your trusted agent at JD Insurance Group, serving Beaumont, TX, with any questions. 

Classic Car Insurance Tips for Exotic Vehicle Owners

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At JD Insurance Group in Beaumont, TX, our team of qualified insurance professionals works hard to ensure that our client’s vehicles are protected from many of the risks they face. From those who own standard American vehicles to those who own exotic vehicles, we ensure that our coverage fits the unique needs of each type of vehicle. When you own an exotic vehicle, you may not know what insurance policy is best for you. Although we can’t give specific advice for what kind of car insurance coverage you should get, we can generally speak to some suggestions for exotic vehicle owners to protect your cars.

1. Get the Right Type of Coverage

Sometimes, exotic vehicle owners don’t know that they may qualify for classic car coverage. Like an antique car, an exotic vehicle has a high value. This means that it should get the protection level it needs through classic car insurance.

2. Speak with an Insurance Professional About Options

Even if you think you know what type of coverage would be best for your vehicle, it never hurts to discuss it with an agent before settling on a type of coverage. Speaking with an agent allows you to ask questions. It also allows our agents to let you know where there may be gaps in coverage that another policy could cover.

3. Cover All of Your Vehicles

If you have an exotic car collection, you might think that you only need to cover one. The truth is that you’ll have to have coverage for each vehicle. You can ask about multi-car policies to see if that’s an option.

For more information on classic car insurance, call us at JD Insurance Group in Beaumont, TX!

3 Common Questions About Classic Car Insurance

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Classic cars come in many ages and styles and are often customized, and while similar in most ways to traditional vehicles, there are some differences when insuring them. Here are answers to the most common questions about classic auto insurance that our customers at JD Insurance Group in Beaumont, TX ask.

Three Common Questions About Classic Car Insurance

1. Can I Add a Classic Car to My Standard Auto Policy?

You can, but it’s not recommended. Many classic cars increase in value as they age, while standard autos depreciate as miles and years accumulate. Insurance typically compensates policyholders at Blue Book value, while classic vehicle policies cover an agreed value made of its worth. This ensures that you’ll receive adequate compensation when making a claim.

2. Is My Vehicle Covered If I Make Repairs Myself?

Most classic car policies let owners choose their preferred repair shop, but many owners like to fix things themselves. After all, special cars require specialized care that some owners can only perform. Your policy generally covers self-repair work due to the unique nature of classic vehicles.

3. Do I Need Year-Round Coverage if I Only Drive My Classic Car in Summer or Spring?

Regardless of when or how often you take your treasure on the road, it needs protection at all times, even when it’s being stored.   We don’t recommend ever going without coverage. This is because theft and perils like fire, lightning, hurricanes, and flooding can damage or total your classic car at any time, and no insurance equals no compensation.

We’ll Help You Create the Ideal Classic Car Policy

As an independent agency, we work with several reliable carriers to help you find great deals backed by superior customer service. JD Insurance Group has a physical office in Beaumont, TX but offers policies throughout Texas and Louisiana. Contact us or come by our location to speak with an agent in person.

Tips to keep your classic car running like new

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Are you an enthusiast of classic cars here in the Beaumont TX area? Whether you’ve owned your vintage ride for years or are just getting started, the tips below from us at JD Insurance Group will help keep your classic car running like new. 

Classic Car Tips

1. Keep it cool:

One of the most important preventative measures to undertake with a classic car is to check the cooling system on a regular basis. Make sure to keep an eye on hoses and belts for signs of wear and tear as well as checking the antifreeze levels and other fluids. 

2. Regular maintenance:

Just like any car, regular maintenance is key to keeping your classic car in top condition. Change the oil regularly, ensure that brakes are working properly, and pay attention to other moving parts such as spark plugs and filters in order to keep everything running smoothly. 

3. Service by specialists:

While some maintenance can be done yourself, make sure to take your classic car to a specialist who knows how to handle vintage vehicles. These professionals can identify any potential issues before they become too costly or time-consuming repairs, so make sure that you stay on top of service appointments when necessary. 

4. Protect from the elements:

As much as possible, try to store your classic car indoors or in a garage when not in use – this will protect it from rusting due to exposure to moisture and extreme temperatures. Also, be mindful of where you take it out on the road as dirt roads can be especially tough on vintage tires and suspension systems.

Get The Best Coverage For Your Classic Car

For more tips and for your insurance needs, give us at JD Insurance Group a call today. We are proud to serve the Beaumont, TX area.

Why do you need to have classic car insurance for your classic car?

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Those living in the Beaumont, TX area will want to know that they are properly covered with insurance. This should extend to properly insuring all of your vehicles with the right type of insurance. If you are a classic car owner, this will likely mean getting a classic car insurance policy.

There are various reasons to obtain this type of coverage here:

Ensure Value is Protected

A primary reason for you to get a classic car insurance plan is to ensure your vehicle is properly protected. If you are going to purchase a classic car, you will likely want its value of it to increase in the future. If you have a full classic car insurance policy, it can be built to provide coverage up to the full collectible value of your car. This value can be negotiated with the insurance company prior to the start of a policy. 

Receive Liability Support

It is also a good idea to have classic car insurance to ensure you have liability insurance. No matter what type of car you drive, there is a chance that you could cause an accident. If you are insured with a classic car insurance plan, it will offer the insurance needed to offset this concern as it will include a provision for liability coverage. Further, this will ensure you are in compliance with Texas state law that requires that coverage. 

Get The Right Coverage Today

It will always be a good idea to have a classic car insurance plan in place if you own such a vehicle in Beaumont, TX. If you would like to invest in this type of vehicle here, starting with the JD Insurance Group is a good option. The JD Insurance Group offers any support needed to build your next plan. 

A Detailed Look At Classic Car Insurance

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JD Insurance Group serves the Beaumont, TX community. We are an independent insurance agency. We are committed to helping our clients find the coverage they need to protect their assets. We work closely with multiple insurance carriers throughout the South. This allows us to offer custom policies that evolve as our client’s needs change.

A Detailed Look At Classic Car Insurance

Beaumont, TX hosts special car shows periodically. People have the unique opportunity to see some classic cars. If you have a classic car, adding insurance allows you to protect your investment. Classic car insurance is similar to a traditional policy in that you are covered if you are involved in a collision. Your classic car is also covered if it’s stolen or damaged. Liability coverage protects you if you are responsible for any damages caused by your vehicle. You can also add extra coverage to your policy, such as emergency roadside assistance. This allows you to receive urgent service if your vehicle suffers a flat tire or engine failure.

Be aware that your vehicle has to meet certain qualifications to be classified as a classic car. Your vehicle should be at least 20 years old. You cannot drive the vehicle on a regular basis. It’s recommended that you only drive the vehicle to special car shows and exhibits. It’s also a good idea to have the vehicle appraised, as that may give you a clear picture of how much coverage you need. Consider adding storage coverage to your policy. You’ll have your classic car parked and stored most of the year. Storage coverage protects your vehicle if an accidental fire or another type of disaster happens while your vehicle is inside the unit.

JD Insurance Group Will Help You Protect Your Investment

Visit our website to learn more information about classic car insurance.