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Home > Blog > Antique and Classic Car Insurance
THURSDAY, JANUARY 6, 2022

Antique and Classic Car Insurance

Since you have purchased a classic or antique vehicle, you’ll also want to insure it properly, as it is an investment. This way, you can rest assured that your one-of-a-kind beauty from back in the day will be protected. 

How Will You Use Your Car? couple driving classic car in sunset
If you drive a classic car, your insurance coverage should be as unique as your vehicle. Whether you purchase a muscle car or an antique vehicle, you must be insured. When insuring a classic car, you must consider how you will be using the vehicle: 

  • Will you only drive the vehicle to car shows or in a parade now and again? If so, your policy should be limited to those circumstances. 

  • Are you going to use your antique vehicle to go to the grocery store, hit the beach or visit a relative? Then, your policy should reflect this kind of usage. 

  • How many miles do you intend to drive each year? 


Typical Coverage Inclusions 
A typical classic car insurance policy includes the following: 

  • Agreed value coverage: Pays for the car’s full-insured value with no depreciation in the event of a total loss, less your deductible.  

  • Inflation guard: To compensate for how classic cars increase in value over time, the policy increases the vehicle’s value quarterly. 

  • Spare parts coverage  

  • Flexible usage: Ability to drive the vehicle for up to 2,500 to 5,000 miles annually. Not limited to “parades only.”


Additional Coverage Options 
  • Emergency towing in case of a breakdown 

  • Roadside assistance for items such as a flat tire, dead battery or running out of gas 

  • Emergency lockout 

  • Lost key return 

  • Emergency travel expenses in case your classic vehicle breaks down while away from home 

  • Car show expenses—policy will pay for expenses associated with missing a car show due to a breakdown 

  • Theft reward 

  • Personal effects—policy will reimburse you for items that are vandalized or stolen when reported to police 


Top Ways to Save On Your Premium: 
  • Consider raising your deductible.  

  • Keep up your good driving record. 

  • Drive less to qualify for a low-mileage discount. 

  • Drive a car with safety features such as anti-lock brakes, airbags, etc. 

  • Install an anti-theft device.  

  • Ask about our multi-policy discounts. 

 

Posted 6:29 PM

Tags: classic car insurance
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