When is an Older Car Considered a Classic Car?

If you have a classic car, it is important that you insure it as a classic car, rather than purchasing regular auto insurance for the car. But there are no hard and fast rules to what makes one car an old car and what makes another a classic car. Here at Hart Insurance, serving the greater Federal Way, WA area, we want to help you select the correct type of insurance for your car. Here are a few of the factors you should consider when deciding if your older car is a classic car. 

Age

One of the factors that should be looked at when determining whether or not you have a classic car is the age of the vehicle. Most experts agree that a classic car is about 25 to 50 years old. After 50 years old, your car is considered an antique, rather than an expert. If it is less than 25 years old, most experts believe it is simply an older car. However, there are a few exceptions to this rule. 

Rarity 

Another factor that is looked at is the rarity of the car. If the car is no longer being produced and it is rare, it may be deemed a classic car. As such, you could have a car that is 10 years old, but due to the fact that it is no longer being produced and it is rare, an expert may deem it a classic. 

Value

Lastly, the value of the car comes into play. If Blue Book lists your car as one value, but you know you can sell it for more due to its age and rarity, it may be a classic car. Ensuring it as a classic car helps you to get the value someone will pay for it, rather than Blue Book value. 

Are you ready to purchase a classic car auto insurance policy? Then let Hart Insurance, serving the greater Federal Way, WA area help you. Give us a call today for an estimate or to schedule an appointment to sit down and talk about your new policy. 

Top 5 Car Buying Pro Tips

Car buying, especially for first-time buyers can be a tedious process. Planning ahead and observing these 5 car buying tips will go a long way in ensuring you get an excellent ride. 

Do your research
Doing your research prior to walking into a car dealership prevents you from impulse buying. Luckily, the internet has all the information you would need about the car you would want to purchase. If you are looking for a new car, find out what the dealer paid the manufacturer as this will help you negotiate a suitable deal. If you are buying a used car, research on the resale prices for the model you aspire to buy. 
Evaluate different financing options
Car dealership financing mostly comes with higher interest rates compared to credit unions or banks. Besides, your bank could offer you a relationship discount that a car dealership will not. 
Negotiate the terms and ask for any discounts
Buying a car is one of the biggest investments one can make. The purchase price is usually not fixed. Knock it down and ask for any discounts that you might be eligible for. Such could include military, student, or credit union discounts. 
Consider the car’s insurance costs
Your vehicle’s insurance cost is influenced by factors such as its price and its model. You could get a ballpark figure of your insurance costs by submitting its make and model along with your age, driving record and other details to various insurance providers online. 

Ready to purchase your car in Federal Way, WA? Contact Hart Insurance today for a free estimate of your auto insurance coverage. We work with experienced agents who will guide you on the ideal coverage options for your car. Also, our coverage options are tailored to meet a wide array of auto insurance needs. 

3 Things That Can Get Your Auto insurance Revoked.

3 Things That Can Get Your Auto Insurance Revoked.

Introduction. No insurance firms around Federal Way, WA can cancel your policy without a good reason. Your contract with the insurance firm is based on the policy, and some of the violations of the contract could lead to policy cancellation. Some of the reasons could be a violation of the policy while others could do with breaking the state laws. This includes issues such as having your driving license suspended or canceled.

I. Making Multiple Claims in a Short Period. The auto insurance sector is built on managing and calculating risk. When you make too many claims in a short span, the chances of having your policy canceled or not renewed are high. Claims tend to stay in your file for about three years. More than one claim a year makes you undesirable to insurance firms. Non-renewal means that you will carry your current policy to term but there is no continuation of the policy.

II. Health Issues. If you have a condition that makes it unsafe for you to drive then your policy provider might just drop you. According to policy experts at Hart insurance, each state has its own list of the conditions that are considered disqualifying health problems. These include epilepsy, eye conditions, or muscle illnesses. What happens is that a physician will file a claim in court that you are unfit to drive. The court will suspend your license after which the policy provider revokes your contract by suspended license.

III. Your Insurance Firm Closes Shop. Insurance business can down scale, move out of town or fail and file for bankruptcy. To be able to protect yourself from this eventuality you need to do three things. First, check out their ratings. Secondly only purchase insurance from licensed firms. Thirdly look up the different auto insurance complaint index to figure out where the firm falls. Lastly, call the state insurance regulator and inquire about licensing, financial health, tax and legal compliance of the firm.

Safety Tips while Driving in Federal Way, WA

If you live in Federal Way, WA, you will need a car to get around, which means you will need car insurance. And this can be a financial burden, especially when your premiums go up due to an accident or a ticket for a moving violation. So below are some tips for how to drive more safely and efficiently in Federal Way to keep your premiums at the rate a local broker like Hart Insurance, who serves the area, first gave you.

DRIVE DEFENSIVELY

Assume that all the other drivers on the road don’t know what they are doing and that they may do something unpredictable. Don’t be paranoid about these other drivers necessarily, but drive looking ahead at what dangers may be about to present themselves. By doing this, your ability to spot a possible accident and avoid it become much more likely, keeping you safe and your vehicle out of an accident.

ONLY DRIVE WHEN YOU HAVE TO

If you don’t need to drive somewhere, don’t drive. Take a car service or public transportation, walk or bike. The less you drive, the lower your rates will be and the less of a chance you will make yourself vulnerable to an actual car accident.

GET ANTI-THEFT DEVICES

Put a tracking device on your car and make sure the vehicle is secure wherever you park it. This will help keep it from getting broken into and make you decide whether or not to file an insurance claim or just eat the loss yourself, as you know the premiums will rise if you make a claim.

KEEP YOUR SPEED DOWN

The majority of car accidents occur due to excessive speed, so if you make going the speed limit or just under the speed limit a habit, your chances of having an accident will drop precipitously.

Heading Over the Border Means Different Insurance Needs for Federal Way, WA Drivers

Are you heading over the border? Before you go, it pays to take a closer look at the auto insurance you have in place and whether it meets the new needs in the location you plan to travel to with or without your vehicle. If you have auto insurance from Hart Insurance, our team of independent insurance agents is happy to help you determine what the best type and amount of coverage for your needs is. We can also help you have the right policies in place before you head over the border.

Driving Over the Border

You probably took the time to make sure your passport was up to date and that you had the right financial information in place to access your bank account. However, many people traveling over the border fail to make key decisions about the actual insurance needs they have. If you planning a trip, your first step should be to call our offices at Hart Insurance so we can make sure your policy will remain in place. This is commonly the case for Canadian trips.

If you are traveling overseas, on the other hand, you still need to ensure your car rental has the right amount and type of insurance in place to keep you protected. Your American car insurance will not likely apply here, but there are additional options we can help you to put into place.

Get a Quote From Our Federal Way, WA Team Today

For those drivers heading to Canada, give the team at Hart Insurance a call today. Let us make sure your current auto insurance plans are exactly what you need before you cross the border and put yourself at financial risk. It’s fast and easy to get a quote by contacting us.

 

Hit & Run Coverage: How to Get It

A hit and run can be absolutely devastating, financially and otherwise. A person should always stop when involved in an accident, though it does not always happen. You want to make sure you have sufficient coverage in the event you are involved in a hit-and-run to avoid spending too much money out of pocket. The coverage you need is going to include various types of insurance.

Collision

Collision coverage is going to handle the repairs on your vehicle, whether you were found at fault or not. While there may be a deductible as well as limits, it can save a lot of money in the end. You may find that you are required to have collision, particularly if a lien holder is involved with your car loan.

Personal Injury Protection

PIP is common within policies, and it is important to have this coverage. No-fault coverage is included for medical bills for both you and your passengers. It can cover medical expenses, lost wages, and even child care if you are injured and unable to care or your children.

Uninsured Motorist

Having uninsured motorist is always a good especially if you are involved in any kind of accident where the other person doesn’t have insurance. The coverage can include bodily injury as well as property damage.

Medical Payments

Medical payments can be another form of coverage that you add to your auto insurance in Federal Way. If you don’t have health insurance (or even if you do), this coverage can save a lot of money because the medical payments will be taken care of by insurance as opposed to being funded from your own finances.

Call us at Hart Insurance Agency today to learn about auto insurance in Washington. We can provide you with hit and run coverage and much more.

 

 

Tips for Adding Child to Auto Policy

When your child becomes of age to acquire a driving permit or driver’s license, you will need to contact your insurance provider. Your insurance premiums will likely go up after adding your child to an existing policy, and this is absolutely normal and expected. You really cannot put a price on your child’s safety, especially when behind the wheel of a hunk of metal weighing in at more than 1 ton.

As a responsible parent, you’ll want to explore higher liability coverage in order to protect your new driver — in addition to protecting yourself and family if the accident turns in to a lawsuit. At Hart Insurance Agency, we want to help by consulting you on your new driver’s needs as well as helping you customize your policy. We offer a myriad of insurance options and would love to discuss insuring your other investments though our independent insurance company.

Another great way to save money on adding your child to your insurance policy is by having them complete a driver’s education course. Additionally, many insurance companies offer a discount for good grades in high school and college. With a 3.0+ GPA, your child may be able to save a small percentage on an auto policy.

If you need to add your child to your auto policy, contact Hart Insurance today to learn more about your options.