Classic car owners are truly in a league of their own. They belong to clubs, have competitions and cruise around in parade formation. The bottom line is that classic car enthusiasts spend more time polishing their whips than they do behind the wheel and they need the right coverage to protect their investment.
That's why it's important to know all about the ins and outs of classic (or vintage) car insurance. Our independent agents have the info you’re looking for and will walk you through a handpicked selection of top policies to keep your vehicle in mint condition.
What Is Classic Car Insurance?
Classic or antique car insurance is a type of auto insurance specifically designed for classic cars. It factors in reduced liability since classic cars are typically driven less than regular cars and the high face value of most classics.
What’s the Difference Between Classic Car vs. Regular Car Insurance?
There are two differences, which are value and liability. Classics are typically worth more than regular cars but driven less. The policies are written, and priced, to reflect that. The basic thought is, you shouldn’t pay the same amount to cover a car that spends more time being waxed and washed than on the road.
Why do I Need Classic Car Insurance?
These ain’t no mini-vans, hybrid SUVs or fuel-efficient sedans picked and plucked from a local dealer lot, these are polished-to-perfection master pieces that need extra attention. Your classic deserves more than a generic auto policy, it needs protection to match and cover its excellence.
What Does Classic Car Insurance Cover?
Classic car insurance covers everything regular auto insurance does, but with a few twists to cover it like a top-shelf wax. In order to qualify for classic coverage your car must meet a few requirements like make, model and age, but providers will evaluate on a case-by-case basis and set their own house rules.
If you have a certified classic, there are a few primary differences between classic and regular coverage:
- Value:The pricier the classic, the higher the premium.
- Capped recovery:The pricier the car, the less likely you’ll have full replacement value coverage if it gets totaled.
- Driving frequency:The more you drive it, the higher the premium.
- Specified driving periods:The coverage may only apply during certain times, like Saturdays or for use in car shows or parades.
How Much Does Classic Car Insurance Cost?
Cost is case-by-case dependent. If you drive a lot and have an expensive ride, you’re going to pay more. If you drive a handful of times a year, and have a sorta spendy whip, you’ll pay less.
A lot of carriers will want your car appraised before they give you a final quote. They want to know exactly what they’re covering, so this will affect cost.
The Awesome Benefits of an Independent Agent
Our agents will help you find the right classic coverage and will walk you through your top policy options. Not only that, they’ll cut the jargon and clarify the fine print, so you know exactly what you’re getting.
Most importantly, they’ll be there to help you file a claim. The outcome of insurance claims can be strongly impacted by how the process is approached and handled.
Finding and Comparing Classic Car Insurance Quotes
Our talented agents will review your needs and help you find the best classic car insurance coverage for your unique needs. They'll also compare policies and quotes from multiple insurance companies to make sure you have the proper protection to keep you and your classic safe.