Heacock Insurance Prices and Review

Heacock Classic Car Insurance was founded in 1989 and provides car insurance coverage in the continental United States. The company claims to have a finger on the pulse of the classic car industry, and notes that it uses auctions and other data to help determine the actual value of a car.

Classic car insurance is helpful for certain vehicles, because their value and replacement costs may not align with an owner’s total investment. Specialized insurance allows the owner to cover their vehicle for an amount that accounts for the time, effort, and money that it takes to own an older vehicle.

Pros and Cons

How Heacock Classic Car Insurance Works

Heacock Classic Insurance was founded in 1989, and offers insurance in 48 states across the U.S. They do not offer coverage in Alaska or Hawaii. The company is relatively small, with only around 40,000 clients, and its policies are mainly underwritten by American Modern.

In order to apply for a policy, head to Heacock’s website and select the “get a quote” option in the top right section of the homepage. Enter your information, including the number of vehicles you want to cover and the state where you live. Click “start quote,” and enter your personal information. Once you submit your information, someone from the company should reach out within a reasonable time period.

Though small, Heacock offers a range of coverage options for classic autos, including liability, medical payments, under/uninsured motorist, collision, agreed value, and more. The company also offers several discount and cost-reduction options, though its catalog is slimmer in that area than its competitors.

Heacock’s insurance products extend to race cars and muscle cars, so there are options for extremely specialized vehicles. That said, the company’s policy requirements and limitations could make it a real pain to get coverage for some customers. In its eligibility requirements, Heacock states that the car cannot be used for errand running or random drives, and notes that it must only be used for pleasure drives. The car must show “pride of ownership,” and can only be driven by experienced drivers. You must also keep your car in a fully enclosed, locked, private garage when it’s not in use.

Heacock Classic Car Insurance Rates and Prices

Heacock Classic Car Insurance does not offer sample pricing and rates without giving up personal information and contacting an agent. Car Talk understands why that is. Each vehicle and person applying will get drastically different quotes, depending on the coverage they choose. That said, it does offer several benefits and excellent coverage options:

• Most customers offered full-coverage policy option with $0 deductible for covered claims
• Roadside assistance for all policyholders
• Policyholders can personalize their mileage coverage
• One liability charge covers all classic vehicles owned by policyholder

Read more on the Best Classic Car Insurance Companies here.

Read more about the Best Classic Car Shipping Companies here.