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?
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.

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