Germantown, WI Insurance - Frydach Insurance

  • About
  • Reviews
  • Insurance
    • Car Insurance
    • Collector Car Insurance
    • Home Insurance
    • Condo Insurance
    • Renters Insurance
    • Motorcycle Insurance
    • ATV & UTV
    • Snowmobile Insurance
    • Business Owners Package
  • Blog
  • Service
  • Quote Request
  • Contact

Online Car Insurance Quotes for Older Cars

October 24, 2016 By Debbie Frydach

Young Couple shopping for insurance online

There are many older model vehicles on the road today due to cars are designed to last for hundreds of thousands of miles. Whether you paid cash for an affordable used car or don’t want to give up a vehicle you have come to rely on for many years, there are many reasons for continuing to put miles on an older car. Of course, you will also need insurance for any vehicle you own that is registered with the state. Continue reading to find out what to expect when getting an online car insurance quote for your well-loved vehicle.

Online Car Insurance Quotes for Older Cars are Generally Lower than New Cars

Though nothing can be said for certain, in most cases, car insurance companies quote lower average rates for older cars than they do for newer models. There are many reasons for this, but the primary cause is that older vehicles have had time to depreciate, meaning they cost less to replace or repair after a car accident or other covered claim. In general, the original equipment manufacturer parts can also be replaced with cheaper after-market parts, which reduces the cost to your insurance company.

Have a Question? Give Us a Call!

Exceptions to the Rule

Some vehicles – even older ones – are exceptions to the rule. For example, your older, high-mileage vehicle may cost more to insure if it is often the target of thieves or if it is foreign-made and requires specialty services and parts to repair.

How Much Coverage is Right for Your Older Car?

If you are preparing to insure an older vehicle, there are many types of coverage you may wish to consider. Examples include:

Liability Insurance
This type of coverage is required by state law. When choosing your liability limits, select an amount that will help protect your income and assets if you are sued for bodily injuries or property damage after a collision.

Collision and Comprehensive Insurance
Collision insurance is coverage for damages to your personal vehicle if it is involved in a collision. Comprehensive insurance is coverage for nearly everything else that can damage your car. Depending on the actual cash value of your vehicle, you may or may not want to carry physical damage coverage.

Uninsured/Underinsured Motorist
These types of coverage helps reimburse you for your losses if you are the victim of an accident caused by an uninsured or underinsured driver.

Other Coverage Options
Talk with us about other optional coverages as well including policies that cover roadside assistance and reimburse you for rental car fees while your vehicle is being repaired after an accident.

Request a Free, No-Obligation Quote!

Classic and Collector Car Insurance Quotes

If your ‘older’ car is older than most others on the road, it might qualify as a classic or even an antique. Classics are cars rare or special interest vehicle that are at least 10 years old, and antique cars are those that are at least 25 years old. If your vehicle meets these guidelines, you might qualify for classic or antique car insurance coverage based on your driving habits. Though every insurer differs in the types of insurance they offer, they might require that you have maintained or restored your classic or antique vehicle. You may also be limited in where and how often you can drive the vehicle in order to continue qualifying for specialty coverage. Limitations might include driving in a parade or exhibiting your vehicle at a car show.

Filed Under: Automobile

Insurance can be confusing at times and everyone's needs are different. If you have questions regarding coverage, pricing, or anything else related to insurance, send us an email or give us a call.

If you'd like to get a free, no-obligation quote, all you have to do is ask!

Contact Frydach Today!

About Debbie Frydach

Debbie Frydach is the owner and an agent at Frydach Insurance in Germantown, Wisconsin. She can be reached at 262-437-0036.

What are you waiting for?

Get a Quote & Save!
Refer a Friend!

Free Newsletter!

Reviews

Debbie is great! She has made all of our transitions easier!

Amy Turim

Frydach is a great company that works with you to find the best insurance for your need. I had a lot of problems finding affordable auto insurance. Frydach helped me find the best deal out there for what I needed.

Jessica Thurloff

Debbie has been our Insurance agent for many years. We have always found she made the best choices for our needs. We have always felt Frydach finds the best value. We recommend Frydach. Thanks, Debbie.

Mary Steinkraus

Debby has helped me with my insurance since I first started driving. She was recommended to me by my father. I would highly suggest going through Frydach Insurance. Debby is always attentive, responds fast and always finds the best options. And she’s great to talk to when we go visit! Thanks so much, Debby!

Jess Klappa

I was with a large, national insurer for years and when my son was about to turn 16 I found out my rates were going to increase dramatically. I was directed to Frydach Insurance where Debbie and her staff found a company that not only gave me better rates but also increased coverage. I have been with them for a year now and I have been happy with everything. Thanks!

Bill Lindala

Debbie is very knowledgeable and always available.

Nick Campanelli
Awesome deals!!!
Barry P Zellmer

I have been a customer of Frydach Insurance for more than 10 years. Debbie is extremely helpful and knowledgeable. She has been quick with answers when I have had questions of all sizes! I have recommended Frydach several times and most of the people I have referred now have some sort of insurance with them. I have shopped around on occasion and rates are definitely reasonable.

Terri Zellmer

I have known Debbie for over 25 years, we met and served on a few Church committees together. Once she started her own Insurance agency, I moved my families Insurance. I have had excellent service, and I refer many of my mortgage customers to her. I trust her completely. I believe that her combination of high personal ethics and the selection of insurance companies to choose from is an unbeatable combination.

RANDAL GRGICH

Outstanding quality customer service in a time when no one seems to know what customer service even means anymore, much less quality.  My brother recommended Debbie years ago, just over 13 years ago and it was one of the best decisions I have ever made.  She insured my first truck, motorcycle, sports car, and many other vehicles along the way, along with my first home and current home.  She is helpful, honest, and always willing to go the extra step.  I remember her driving down to Milwaukee…

Brian C

Contact Us

Frydach Insurance Agency
W175N11163 Stonewood Drive #229
Germantown, WI 53022
262-437-0036

Our Hours

Monday - Thursday: 9:00 - 5:00
Friday: 9:00 - 3:00
By Appointment

Proud Member of

PIAWCouri Agents
Couri Agents

Follow Us

Facebooklinkedinyoutube

Copyright © 2019 - Frydach Insurance Agency Inc. - Terms and Conditions - Privacy Policy - Sitemap