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Home » Antique and Classic Car Insurance
March 4, 2021

Antique and Classic Car Insurance

man sitting in red classic carAntique and classic car insurance provides auto insurance for antique or classic cars. How a policy defines what is an antique car and what is a classic car may vary, but there’s typically coverage available for both types of cars.  

Regardless, antique and classic car insurance can help you protect your investment and prized possession for the long haul. 


Before Obtaining Coverage 

Prior to seeking out coverage, there are some things that you need to sort out. Primarily, you’ll need to determine how you will be using the vehicle, as this information will guide what type of policy you need. 


  • Where will the vehicle be stored? 

  • Where do you live and intend to use 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.  

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

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

  • Spare parts coverage 


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 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 

  • Emergency lockout and lost key return


Top Ways to Save On Your Premium 

If you’re looking for ways to save money while still obtaining coverage, consider the following suggestions:


  • 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.


Tags: classic car insurance

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