Owning a classic or exotic car is a point of pride for many, but it also comes with unique responsibilities—especially during the winter months. Whether you live near us in sunny Florida or states with harsher winters like Wisconsin or Michigan (that we also insure in), proper care is essential to maintain the beauty and performance of these prized vehicles. And just as important as maintenance is ensuring that your car is protected with the right insurance coverage from an agency that truly understands your needs.
Winter Challenges for Classic and Exotic Cars
Winter can present a host of challenges for classic and exotic car owners, including:
1. Cold Weather Damage
Freezing temperatures can wreak havoc on your car’s battery, tires, and engine. For those in states like Illinois or Ohio, where sub-zero temperatures are common, taking precautions is crucial.
2. Moisture and Rust
High humidity and snow can lead to rust and corrosion, especially in areas like Pennsylvania or Maryland where winter moisture is prevalent. Even in Florida, salty air can cause rust if cars are stored improperly.
3. Road Salt
In northern states, road salt used to combat ice and snow can damage a car’s undercarriage and paint. If you drive your car during winter, washing and detailing are essential.
Winter Care Tips
1. Proper Storage
If you’re storing your vehicle for the winter, choose a clean, dry, and temperature-controlled garage. Use a high-quality car cover to protect against dust and moisture. For residents in states like Connecticut or Nebraska, this is particularly important to prevent freezing damage.
2. Regular Maintenance
Before storing your car, change the oil, check tire pressure, and fill up the gas tank to prevent moisture buildup. Consider adding a fuel stabilizer to keep the gas from degrading over time.
3. Battery Care
Use a trickle charger or battery tender to maintain the battery’s charge while your car is not in use. This simple step can save you from costly replacements in the spring.
4. Protect Against Rodents
Rodents can cause significant damage to wiring and interiors. Seal any openings in your storage area and use deterrents like mothballs or peppermint oil.
5. Clean Thoroughly
Wash and wax your car before storing it to remove dirt, salt, and grime. Pay extra attention to the undercarriage, especially if you’ve driven on salted roads.
Why Insuring with a Specialist Matters
Our agency proudly serves clients in 14 states, including Florida, Georgia, Maryland, Kentucky, Ohio, Illinois, Virginia, Pennsylvania, North Carolina, South Carolina, Connecticut, Nebraska, Michigan, and Wisconsin. This broad coverage allows us to offer tailored insurance solutions that meet the diverse needs of classic and exotic car owners across varying climates and regulations.
Classic and exotic cars aren’t just vehicles; they’re investments, and insuring them requires a level of expertise that not all insurance agencies can offer. Here’s why working with an agency that specializes in classic and exotic car insurance is essential:
1. Agreed Value Coverage
Unlike standard car insurance, specialized policies often offer agreed value coverage, ensuring that you receive the full insured value of your car in case of a total loss.
2. Tailored Policies
Specialized agencies understand the unique needs of classic and exotic car owners. They can customize policies to include features like spare parts coverage, roadside assistance for rare vehicles, and coverage for limited-use driving.
3. Expertise Across Multiple States
For an independent insurance agency operating in 14 states, including Florida, Virginia, and Wisconsin, understanding the specific risks and regulations in each location is key to providing the best protection.
4. A Personal Touch
An agency that truly cares will take the time to understand your car’s history and your coverage needs, offering peace of mind that your investment is in good hands.
Protect Your Passion
Caring for a classic or exotic car during the winter months goes beyond routine maintenance; it’s about safeguarding your investment and ensuring it’s ready to shine when spring arrives. Partnering with an insurance agency that specializes in these vehicles ensures you’re covered for the unexpected, giving you the confidence to enjoy your car for years to come.
If you’re looking for personalized, expert insurance solutions for your classic or exotic car, reach out to an agency that’s as passionate about your vehicle as you are.