Photo Credits: NCM Insurance Agency
The rules of the road are pretty clear…If you own an automobile, you are required to have insurance. No way to get around it! However, not all insurance is created equal. If you have a new or classic Collector vehicle, the National Corvette Museum’s NCM Insurance Agency can save you hundreds or even thousands on the cost of insurance. In addition to the savings, there are other perks when selecting a collector vehicle policy over the daily-driver policies from the traditional insurance companies.
The reason why collector car insurance is so much better for our Corvettes and other collector vehicles is because insurance companies know that these cars are treated very differently than usual daily drivers due to mileage caps as well as the extra care provided for these cars that most Corvette owners are known for. Get your custom quote today from NCM Insurance and see the difference they can offer. We always say that it’s better insurance at a better price, and you’re helping to support the National Corvette Museum in the process. Visit NCM Insurance today and see what they can do for you!
Here are five reasons why you should insure your Corvette or other collector vehicle with the NCM Insurance Agency.
1. Agreed Value Policy
There are different types of policies that insurance companies offer, and you want to make sure yours is an Agreed Value Policy. With an Agreed Value Policy through the NCM Insurance Agency, you know exactly what the replacement value is in case of total loss. When you bring a new vehicle to the NCM Insurance Agency, they lock in the purchase price for the first six months, so you don’t have to worry about depreciation or needing gap insurance. And in the case of swiftly rising values like what happened with the 2019 Corvette ZR1s, you can adjust your value with them at any time.
2. Mileage Options that Rollover
The NCM Insurance Agency has three mileage tiers which allow you to pick the one that works best for you and your driving habits. Those tiers are 1,000, 3,000, and 6,000 miles. One great feature that we learned is that any unused miles roll over year to year, so you are free to take those extended trips in your car and not have to worry about exceeding your mileage caps. Want to drive your Corvette to work occasionally? There is also a Work Endorsement that allows you to do so up to twice per week. One misconception is that your driving is extremely curtailed, and that’s just not the case. Pleasure driving is also allowed, but it’s not a substitute for your daily driver as your principal means of transportation, or for commuting to work (without the Work Endorsement).
3. Save on Liability with Multiple Vehicles
Many enthusiasts own more than just one Corvette, so if you have a classic Corvette, and a newer C8 Corvette (or other modern day collectible), or any combination in between, you can save bigly! The liability coverage is only required (and paid) for one vehicle, but every car on your policy is covered underneath. That means you only pay comprehensive and collision premium on those additional vehicles.
4. Expert Claims Service
It’s a fact of life that automotive accidents happen every day. When your Corvette is protected by the NCM Insurance Agency and you report an accident, a dedicated claims adjuster will be assigned to you and will help guide you through the entire process to make your Corvette right again. This means allowing you to pick your local shop that you know and trust, and in some cases, they will even pay you to work on your own vehicles.
5. Backed by American Modern
Your policy with the NCM Insurance Agency is backed by their carrier American Modern, which specializes in collector car insurance and has been around since the early 1960s. They are rated A+ by A.M. Best and have incredible resources at their disposal when it comes to dealing with a claim. The customer service aspects of their website make it easy to make a payment or manage your account.
NCM Insurance Agency
Several of us here at CorvetteBlogger have our Corvettes insured with the NCM Insurance Agency for the better part of a decade. Better insurance at a great rate means peace of mind when out cruising on the highways and byways of America – and it’s always nice to know you’re supporting the National Corvette Museum. Visit the NCM Insurance Agency today for your free custom quote!
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NCM Insurance Agency
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