Classic Car Insurance
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Owning a classic car is a unique experience that requires specialized insurance coverage. The investment behind these timeless vehicles deserves protection designed specifically for classic cars. Classic car insurance is designed to help protect your prized possession with tailored coverage options for your vintage automobile.
What is classic car insurance?
Classic car insurance typically provides specialized protection for vintage, antique and collector vehicles with one key difference from a typical auto policy: agreed value coverage. Instead of paying depreciated market value, classic car policies provide a payout based on your vehicle’s appraised worth.
Since classic cars are driven less frequently, stored carefully and often appreciate over time, they need coverage designed for their usage patterns and investment potential. This is a key difference from the daily wear and depreciation assumptions of regular auto policies, making collector car insurance essential for protecting these unique vehicles.
Who needs classic car insurance?
Classic car insurance is ideal for owners of vintage, antique or collector vehicles, including:
- Collectors and investors who own vehicles as hobby pieces or financial investments.
- Restoration enthusiasts who have rebuilt or maintain older automobiles.
- Occasional drivers who use classic cars for shows, events or weekend enjoyment.
- Owners of a vehicle 20+ years or older with collectible or appreciating value.
- Owners of high-end exotic or luxury vehicles.
If your vehicle requires specialized parts or careful storage, or if it has additional collectible value beyond its use for transportation, classic car auto insurance provides protections that typical auto policies generally don’t offer.
What does classic car insurance cover?***
Classic car insurance can provide several protection options for your vintage vehicle, whether you’re driving to events or storing it safely. Key protections can include:
Agreed value coverage
Agreed value protection helps you receive the full appraised value in the event of a total loss, protecting the investment you’ve made in purchase, restoration and maintenance.
Usage flexibility
Usage flexibility coverage is designed for specialized usage patterns, including exhibitions, parades, car shows and special events. These vehicles aren’t driven daily but are selectively used as specialty vehicles.
Spare parts protection
Spare parts protection extends to rare and valuable parts specific to your classic car, including hard-to-find original components, restoration parts and specialized equipment that may be stored separately from the vehicle.
Comprehensive coverage
Comprehensive coverage helps protect against theft, vandalism, weather damage and other covered perils. Classic cars face unique risks, from targeted theft to environmental damage, during storage or transport.
Roadside assistance
Roadside assistance offers specialized help when you need it most. Service providers familiar with vintage and antique vehicles can deliver specialized towing and care tailored to your car’s unique needs.
***Features and benefits may vary by carrier and product, are subject to each carrier’s underwriting guidelines and may not be applicable in all scenarios.
How much does classic car insurance cost?
Classic car insurance costs depend on several factors, including:
- Vehicle age, make, model and appraised value.
- Your personal driving record and experience.
- Coverage options and agreed value selected.
- Annual mileage and usage patterns.
- Storage arrangements and security measures.
- Geographic location and local risk factors.
Discounts may apply for garage storage, limited mileage and multi-vehicle coverage, car club membership and mature drivers with clean records.
For personalized classic car insurance quotes, contact InsuraMatch to speak with a licensed representative about coverage and available discounts.
Discover the InsuraMatch advantage
InsuraMatch, a Travelers-owned insurance agency, specializes in finding classic car insurance solutions that can be tailored to your needs. Our approach combines personalized service with industry experience to help you find protection for your automotive investment.
When you choose classic car insurance through InsuraMatch, you can benefit from:
- A personalized approach with guidance from advisors who understand collector vehicles.
- Access to multiple carriers to find the coverage and rates for your specific classic car and budget.
- Specific knowledge of vintage and antique vehicle requirements and risks.
- Flexible coverage options to match your specific usage patterns and protection needs.
To explore how Classic Car Insurance can secure your vehicle’s legacy, call InsuraMatch today at 844.419.0181. Our advisors are ready to tailor policies to your classic car’s unique needs.
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