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Summer 2018 Newsletter

For many owners of classics, their car is more than just a car: it's an investment, a dream realized, the outcome of a lot of hard work. If any of these apply to you, you'll want to make sure it's protected with the right insurance. Because antique and classic vehicles are all so different, your insurance will need to be crafted specific to your vehicle and how you intend to use it.

While standard auto insurance can provide the legal requirements to use your classic, specifically liability coverage, it isn't designed for rare, antique, or classic cars. An insurance policy designed for classic cars will usually provide:

  • Agreed Value Coverage. Agreed value means you and the insurance company agree on a value for the vehicle before the policy is written. In the event of a total loss, you're paid this amount, less any deductible. There is no deduction for depreciation like you'd find on a standard auto policy.
  • Spare Parts Coverage. Many classics can be finnicky. A good classic car policy will include coverage for spare parts.

Other coverage options you may want to consider are:

  • Flatbed Towing Coverage. A safer towing option than traditional tow trucks.
  • Personal Effects Coverage. Pays for personal items that are stolen or vandalized.
  • Emergency Travel Expenses. Pays for things like a hotel if your vehicle breaks down away from home.
  • Inflation Guard. The vehicle value is automatically increased at certain intervals.

Your classic car is rare and unique. Make sure you're properly covered by working with us to insure your vehicle with a policy that values your ride as much as you do.


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Things to do this summer

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Our Location

Dean Olson Insurance Agency

Dean Olson Insurance Agency

3570 Lexington Ave North Suite 140
Shoreview, MN 55126
Main office: 651-633-0408

Our Providers

“I never doubt Dean's integrity, meaning he is working to find the best product that meets my needs at the best price.”
Mary Daniel
“Dean is always quick to respond and offer the most helpful advice! I know he is always looking out for our best interest!”
Nicole Demuth
“Dean, you are thoughtful about the policies you offer. They make good sense for my needs. You also provide outstanding service. Lastly, you are very personable and a pleasure to work with.”
Louis Tschudy
“When we unexpectedly had a problem with our auto coverage, it was very helpful to be working with an insurance broker who had experience and knowledge of multiple insurance companies. Dean was very thorough and worked with us on a tight timetable, following our move to the area.”
Ross Johnson
“Dean has always been very good with all our insurance needs always gets us the best price possible and takes his time talking with us always prompt getting back to us.”
Glenn Swanson
”Dean takes the time to explain complicated insurance issues in plain language. He learns about your individual situation and helps you to pick the insurance that's right for you, and that something you can't get from a website or an app.”
Conrad Workman
“Newer customer who left American Family after 30 years due to service. Met with Dean and he reviewed my existing coverage and sourced multiple companies to find the better coverage and provide cost savings over my old coverage.”
Jan Aamodt
“I’ve learned more from Dean about insurance than I’ve ever learned before. He has patience to answer questions and I feel like he truly looks out for my best interest!”
Rhonda Gasiorowski
“For two decades we have been working with you on all our insurance needs. Always we have received timely service, great info and high quality product at a fair price point.”
Oliver Papp
“Dean has been easy to reach for questions, extremely kind and caring in explanations, and great about helping me with the best insurance options available.”
Michelle Horn
“Dean is always helpful. Always answers questions honestly and immediately always great advice.”
Mary Kappel
“You have always been available to answer any questions or needs we might have. You compared and found us the best cost effective insurance for our needs.”
Gary Savage
“I have recommended you to my son and others. Thanks!”
Stephanie Nustad