Specialty Auto Insurance in Miami, FL

Not every vehicle fits neatly into a standard auto policy. Specialty auto insurance is designed for cars that fall outside the ordinary, whether because of age, value or modifications.

Whether you own a classic model, a luxury vehicle or a custom build, this type of coverage can help address needs that standard auto insurance may not fully cover.

Who Needs Specialty Auto Insurance?

If you're thinking about getting a specialty auto insurance plan, it's helpful to know who these policies are designed for. Specialty auto policies are often suited for owners of the following vehicles:

• Classic and antique cars, where replacement parts may be rare and repair costs high.

• High-performance or luxury vehicles, which often exceed standard coverage limits.

• Modified or customized autos, including vehicles with aftermarket parts or significant alterations.

• Collector cars, which may be driven sparingly and require unique valuation methods.

In short, if your vehicle is distinctive in value or use, it may benefit from specialty coverage tailored to those characteristics.

Coverage Basics

While every policy is different, specialty auto insurance may include:

• Agreed value coverage, which means the insurer and owner agree on the vehicle’s value upfront, helping avoid disputes after a total loss.

• Comprehensive and collision coverage, which may help pay for repairs after accidents, theft, vandalism or weather damage.

• Liability coverage, which may assist with expenses if you are found responsible for injuries or property damage while driving.

• Spare parts and equipment coverage, which can extend to rare or custom components associated with specialty cars.

• Roadside assistance, which may be available to help with towing or breakdowns.

Learn More Today

Owning a specialty vehicle is an investment in both money and passion. Specialty auto insurance helps you prepare for the unique risks that come with it.

At Tanenbaum Harber Insurance Group, we can explain available options and help you explore a policy designed with your vehicle in mind. Contact us today to request a specialty auto insurance quote.