Keep your prized specialty vehicle in mint condition with classic car insurance

Classic car insurance offers most of the same protections as regular car insurance, such as collision, comprehensive, property damage, and bodily injury liability, but is specifically catered to your classic car.

Classic car policies are only intended for occasional vehicle use, so the premiums are much cheaper than a normal policy.

Also, unlike a standard auto policy, your vehicle value does not depreciate. Once your vehicle price is established that coverage amount is guaranteed on your policy.

A classic car policy does not have mileage limitations, whereas, if you listed your classic car under a standard policy, it might be subject to restrictions.

Classic car insurance covers a variety of classic cars, trucks and other vehicles, including antiques autos, collector and vintage cars, some modified and newer vehicles, motorcycles, and other specialty vehicles. 

Whether or not you qualify depends on usage, driving records, and risk.

You can’t get a classic car policy for a vehicle you have for everyday use, or off-road or recreational vehicles, commercial-use vehicles, motorcycles with performance modifications. In some cases, however, you may be able to insure your everyday vehicle under your classic car policy, if you already have a classic car.

Some policies may even require you to store your car in a garage or similar protection and you may not qualify for a policy if you cannot.

Reach out to your insurance agent to find out if you qualify.

Technically, no. 

But as long as you are driving your classic car at all, you need some sort of car insurance policy. And classic car insurance might make the most sense since it is cheaper than a standard auto insurance policy. 

Classic car insurance can vary significantly based on several factors including your vehicle, coverages and limits, where you live, your driving record, how much you drive, what you use your vehicle for, who drives your car, payment methods, and discount eligibility. 

However, the premiums for classic car insurance are on average 36% lower than a standard auto insurance policy, which usually costs somewhere between $700 - $3,000 per year or $58 - $250 per month.