Smart Auto Insurance Blog

One Beacon Auto Insurance offers insurance products through their exclusive relationship with Hagerty and tailor policies for collectible autos as well as wooden boats.  Hagerty offers auto insurance for thousands of collector cars that are generally used for light driving, car shows or club events.  According to their website they offer a large variety of classic, stock, and safely modified cars.

You may be wondering if your classic car qualifies as a collectible.  Some items that may be covered include antique cars, new cars with limited production, modified cars, utility vehicles, retired commercial vehicles, motorcycles, raced cars, trailors, cars under restoration, military vehicles or tractors.  Some items generally not covered by this type of insurance include camping vehicles, cars used for daily use, commercial-used cars, motorcycles with performance modifications, any vehicle with nitrous components, and dune buggies.

If you are unsure if your car would qualify as a collectible car you can contact Hagerty to receive car insurance quotes.  It is possible you have a collectible car and don’t even know it.  It used to be said that any car 20-25 years old was considered a collectible but that is no longer the case.  Many cars from the 70s and 80s are not considered collectible but they might be if they are convertibles, 2-door sports cars, have a unique body, foreign sports cars or big block V8 engines.  Contact One Beacon or Hagerty to determine what category your car may fall into.

It’s well known that you can get car insurance quotes from Donegal Insurance, but many people do not realize how easy it is to get boatowners insurance coverage.

Donegal Insurance offers many types of insurance products, one of which is boatowners insurance protection.  Boatowners insurance provide the extra coverage you need to ensure your boat is protected.  Donegal covers the entire boat from bow to stern and provides coverage on water or land.  Their policy extends to motors, controls, electric equipment, and standard fuel equipment.  They ever cover extras such as boat oars, anchors, life preservers, and additionally a boat trailer.

Legal liability is taken care of with boat liability and medical payment coverage.  Coverage is extended in the case of a boating accident and there are many other optional coverages.  Some of these options include Boater’s Emergency Towing and Labor, Boat Replacement Cost, Uninsured Boaters Protection, and Boater’s Personal Property Coverage.  You can even get discounts through boatowners insurance.

Specifically noted on Donegal’s website are discounts for the completion of certain safety courses, built in fire extinguishing systems, depth finders, and of course if you have other insurance products through Donegal Insurance you can find yourself with an up to 10% off discount on your boatowners insurance.