Antique and Classic Car Insurance

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?

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 

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

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.