Find our Insurance 2023 FAQ Commercial, Business, Home, & Auto Insurance Information, Coverage, Policies, Companies, Agents, Rates, Prices, & Agents at Lunova Insurance.

Lunova Insurance can help you find Classic Car Insurance. Collector and classic car insurance company rates are available through Safeco Insurance & Hagerty Insurance with our local MA independent classic car insurance agents, at “Lunova Insurance”. Learn more about Lunova car insurance & get coverage near you in MA, CT, RI, MD, NC, FL, & IN online.

Lunova Provides Classic Car Insurance through both “Hagerty Insurance” & “Safeco Insurance“.

Lunova classic car insurance companies in ma ct ri md in nc
Lunova classic car insurance companies in ma ct ri md in nc

Insurance for collector and classic cars

We have a deep understanding of classic cars and their owners, so we can offer exceptional classic car insurance coverage at a fraction of the cost.

Hagerty car insurance benefits

Guaranteed Value(r) coverage

You will receive 100% of the car’s insured amount in the event of total loss. * No depreciation. There is no messing about. There is no hassle.

Flexible use

Lunova helps with with providing “Hagerty insurance”, which allows for occasional pleasure use. ** You can take your car for a weekend drive or to an ice cream shop. There are also unlimited cruises and events.

Expert Claims Handling

Our parts specialists are available to help you find replacement LKQ, OEM or NOS parts. Hagerty has a large list of resources to help you find hard-to-find parts.

You will save money

Hagerty’s premiums for collector car insurance are up to 34% less than regular driver insurance because we specialize in this type of insurance. ***

Unparalleled service, knowledge

We are experts in vintage and collectible cars so you can trust us to understand your vehicle and your needs.

Our future is important to us

Hagerty believes it is our responsibility as a company to support initiatives and organizations that ensure that the cars we love, and the lives that surround them, not only survive but thrive into the future.

Through our Youth Programs, support of the RPM Foundation, and Hagerty Drivers Foundation, we are committed to supporting car culture.

Even if your car is totaled, you can still protect it.

Hagerty understands that your collector vehicle is filled to the brim with memories, love, work and stories that cannot be replaced. We help you keep your car, and receive your Guaranteed Value with Cherished Savage, even if it’s total loss.

All types of classic cars, trucks and antique cars are covered. Hagerty offers exceptional antique vehicle insurance.

Find out what qualifies


Questions frequently asked

Find Lunova Insurance Agency’s FAQ about classic car insurance with Hagerty Insurance/


What is the difference in coverage between stated and agreed value?

A policy of agreed value, which is the same as a Guaranteed Value policy through Hagerty, guarantees that you will get the entire insured amount of your vehicle (without depreciation and including sales taxes) in the event of total loss.

A stated value policy, also known as “stated amount” (or “maximum liability”), gives the insurer the option to pay your vehicle’s cash value or the cost of replacing it. They’ll choose which one you prefer.


What is the difference between classic car insurance and regular car insurance?

Classic car insurance has some distinct advantages over regular or daily driver insurance.

Premiums lower

Hagerty understands that your car is a treasured possession and will be driven with extreme caution. Therefore, Hagerty’s premiums are usually 34% lower than daily driver insurance. Your classic car may be considered a regular-use vehicle under a daily driver policy. You’ll be charged the same as if you were driving it every day.

Guaranteed Value

It is also known as “agreed-value” coverage. This means that you will tell us the exact value of your classic, and we will confirm it. We will then guarantee that the value you receive in the event of total loss is accurate. Insurance companies that offer regular car insurance may offer either “actual cash value” (or “stated value”) coverage. This could result in a lower payout than you expect.

Flexible use

Hagerty offers flexible usage of a car policy. You may have mileage restrictions or usage restrictions even if your car is covered by regular auto insurance.

Classic car policy holders have many more benefits. Visit our Compare to Daily Driver Insurance section for more information on custom car insurance.


Insurance that works for your needs

Let’s chat about your car. Talk to us or get a quick online quote. Get a quote now Online quotes are quick and simple. Learn more about your classic car insurance options

As much as you love antique and classic cars, we also love them. Find out more about our unique coverages below and then “contact a local agent for the best coverage” for your vintage car.


Standard classic car insurance coverage 

“Agreed Value Coverage on Classic Cars & Limited Use Coverage” come standard with every Lunova Classic car policy. Below you can learn more about options.


Agreed Value Coverage

If the car is declared damaged or lost, you will receive the agreed amount.


Limited use coverage

You could save money on your insurance if you drive less than 5,000 miles per year.


Optional Coverage Options

Find optional classic car insurance coverage options with Lunova Insurance.


Roadside Assistance

We won’t leave your car stranded if your classic car has a breakdown. Our optional 24-Hour Roadside Assistance can help you get your car moving again, from a jump start to towing.


Lunova Offers “Safeco Emergency Assistance”

With Safeco Emergency Assistance, you get all the benefits of Roadside assistance plus protection for personal property, including spare parts and tools, that are left or stored in your vehicle.


Minimizing the Deductible

We’ll keep you claim-free for as long as your policy is in force.


Personal Property Insurance


Safeco offers many additional coverage options. Talk to a licensed independent agent in your area to discuss the best options for antique cars.

Safeco’s Classic Car Discounts could help you save money


Learn how to prevent accidents

We’ll give you a discount for three years if you are a collector and you successfully complete an approved course in accident prevention. Most states require that drivers be at least 55 years old to qualify.


Annual mileage of less than 5k

You’ll be eligible for limited use rates if your annual mileage is below 5,000 miles.


Bundle and Save

You can get a discount on your classic car, regular auto, and motorcycle insurance with Safeco.


Roadside Assistance is available for antique cars


Your car may have some miles, but that is partly what makes it a classic. You won’t be left behind in the event that your car breaks down, becomes flat or suffers from any other covered emergency.

When you buy classic car insurance through an independent agent, enroll in Roadside Assistance. Locate an agent



Lunova Insurance Agency’s Common classic car insurance questions


Are you looking for answers? You can browse the most commonly asked questions below or contact an agent today to talk about Safeco classic car insurance.


What types of classic cars is Safeco insured?

Our specialties include classic cars, modified collector vehicles, reproductions and replicas, restorations, antique cars and classic classic cars. We insure cars that are unique and of intrinsic value. They are also more likely to increase or retain their value over time.

Classic car insurance does NOT cover kit cars, restoration vehicles that have been reduced to less than 50%, race cars or cars with jet or nitrous oxide engines.

Ask a local independent agent if your car qualifies.

What is a “classic car”?

Classic cars must not be older than 10 years. They can also include modified antiques or limited production cars. Minimal production cars of less than 10 years must be considered classic cars. The minimum age for antique cars is 25 years. They must not have undergone any modifications or be restored to their original condition. There may be other restrictions.

Ask your agent to see if you can get Safeco classic car insurance.

Is there a maximum annual mileage?

Safeco offers regular use coverage that allows you to drive your vehicle for as much as 10,000 miles annually. You can drive up to 5,000 miles each year with restricted use coverage.

What is grand value?

Before issuing your policy we work closely together to reach an agreement on the car’s value based on its market value and condition. You will be paid the amount if your car is declared total loss due to theft or damage. The deductible is all you have to pay. To ensure that the value agreed upon is accurate, it’s a good idea for your agent to review your policy on an annual basis.

What do I need to insure with Safeco?

Your classic car can not be insure by itself. You can get a multi-car discount if you have both your classic and regular car insured on the same policy.

  1. The availability of services varies from one state to the next. The deductible is not included.
  2. Each state has its own availability. There are limitations and conditions.
  3. The optional Towing & Labor Coverage endorsement provides coverage. State restrictions may apply. This applies only to disablements and mechanical breakdowns. It may also be subject to limitations.
  4. These conditions and limitations apply.
  5. Each state has its own availability. There are limitations and conditions. Not available in all states.
  6. The availability of the resources varies from one state to another. There are limitations.
  7. Savings and discounts are possible where state laws and regulations permit. These savings may vary from one state to the next. Some discounts are only available for certain coverages. Individual applicants are underwritten to the maximum extent allowed by law. Not all applicants may be eligible.

Lunova Insurance Coverage & Profiles on Social Media

Learn more (about Massachusetts insurance for Commercial & Personal) insurance quotes by visiting our (LUNOVA INSURANCE) “local independent insurance agency” social media & insurance company websites:

Classic Car Insurance Page Viewers Also Viewed

Lunova Insurance “Coverage”

Lunova Insurance, an independent insurance agency, is committed to finding you the best insurance coverage.

Find local agents and shop your policy today, combat inflation, & save money in 2022 with rates & quotes with our independent agents.

Find better coverage near you in Massachusetts today working with a local coverage specialist for auto, home, flood, life, or small business insurance.


Business and personal insurance agents at lunova insurance
Business and personal insurance agents at lunova insurance

“Lunova’s Specialty Insurance for Truckers & Trucking Business Coverage”


You can find our specialty coverage options for truck drivers at Lunova Insurance. Learn more about “Lunova New Small Business & Commercial Truck Insurance” and get great rates today in MA CT & RI today at Lunova Insurance!


We offer customized Commercial Trucking Insurance that can be adjusted based on the needs of your clients.


Some of our popular trucking target classes are –

1. Business Commercial Auto (general business use)
2. Airport Bus Service
3. Black Car Service
4. Buses – All Types
5. Long-haul Trucking
6. Rideshare
7. School Busses
8. Taxi Cabs
9. Auto Fleets
10. Limousines/Black Cars

Lunova Company Options for Commercial Trucking Insurance Coverages

  1. Commercial Auto/Trucking Liability.
  2. Physical Damage for Trucks.
  3. Commercial Truck Coverage
  4. Drive Away Coverage
  5. Stand-alone “Hired and Non-Hired Auto” (or Hired And Non Owned Auto Insurance)
  6. Inland marine form covering loss of property in the course of transit (or Motor Truck Cargo Insurance).
  7. “How to Meet Amazon’s  Truck Driver
  8.  New Operators Coverage
  9.  Excess or commercial liability coverage available

Lunova Insurance Company “Coverage by State & County”

Find Lunova Insurance coverage. Explore options for Coverage & Insurance online (with Lunova Insurance) Agency Products, Services, Quotes & Coverage today.

Shop different company premiums and rates and find great policy options in the “states we offer insurance coverage“. Speak with a Lunova Insurance  agent by telephone (1-508-258-7195) and get personalized State, County, and Local Estimates/Rates for your insurance.



Explore personal lines policy options for auto, home, & condo insurance in MA, CT, NC, MD & IN.

Lunova insurance coverage (ma fl ct nc md in)

Learn more online about our Lunova Insurance Quotes for business insurance and commercial lines insurance for” general liability policies, Commercial Truck Drivers, “BOP’s & Insurance Packages” that include “Business Equipment Coverage“, cheaper commercial auto, better commercial property & business building insurance, & “insurance for condominium associationsin FL, MA, CT, NC, MD & IN.

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Lunova’s Personal & Commercial Lines Company Coverage Options & Services:

Lunova Business & Commercial Insurance Coverage by Product Type


Lunova Insurance agents specialize in “finding low-cost insurance options for commercial and small business insurance for companies located in MA, FL, NC, IN, MD & CT”. (Lunova Business Insurance Quotes for AUTO, GL, PROPERTY, BOP, or WC insurance may be requested online).


Lunova Insurance Coverage by Insurance Company Coverage-Type

Find our “Coverage by Insurance Company” & get insurance coverage with cheap or affordable quotes.

Find the best policies options today with these great insurance providers that partner with Lunova Insurance today!


Learn about our local area agency for “Business or Commercial Insurance in Massachusetts” with Lunova #smallbusinessagents at the “Lunova Insurance agency headquartered in Marlborough MA“. Find direction on Google or Waze or set up a 1-on-1 appointment with a local agent online.

Also Find Massachusetts Business and Commercial Insurance Costs, Quotes & Requirements

Lunova has local Massachusetts Business & Commercial insurance agents (at Lunova Insurancecan help you find new commercial insurance coverage with lower costs, with business insurance quotes, that meet state (Massachusetts) requirements and provide you with the specific business coverage you need.


Lunova Insurance “Classic Car Insurance” Company Directions

Find our local (Marlborough, Hudson, Southborough, & Sudbury MA area) Insurance Agency’s Directions to our Marlborough Mass Lunova Collector Car Insurance Agency on Waze or click the Google Map below.

Business, flood, home, & auto insurance ma fl ct in nc md
Find lunova insurance for your insurance quotes.

Find our agency “Directions & Lunova Insurance Reviews” on our Google Business Maps & Insurance Agency Profile. Below you can find our Lunova Insurance office, reviews, coverage information, and additional quote/policy details.

Or check out our agency’s Lunova Insurance “Insurance Company Profile on Linkedin“, “Independent Insurance Agency Profile“, or our “Lunova Insurance, LLC | Better Business Bureau® Profile“.

Lunova Insurance Agency’s Insurance Quotes

Book an appointment with a Lunova Insurance agent on “Calendy” and we’ll be happy to sit down and find a time to help you discuss quotes and coverage options.

Visit our “Lunova” local MA classic car insurance office in Marlborough to learn more:

Lunova Insurance
14A Winthrop St
Marlborough, MA 01752

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