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Classic Car Insurance

Car insurance is critically important for protecting the investment collectors make in classic and antique cars. This type of car insurance is widely available both through specialty providers and through independent insurance agents. Classic cars can be insured during periods when they are being restored.

When obtaining classic car insurance, it is important to make sure that the car qualifies as a classic car in accordance with the policies of the insurance company. Typically, classic cars are required to be at least 15 years old and not excessively modified. In some cases, classic cars may be required to be on a specific classic car list. There are also likely to be restrictions on how much driving can be done with the car, and a requirement that the car be garaged.

It is important to recognize that insurance for a classic car needs to be different than insurance for any older car. Typical car insurance policies are based on the idea that cars depreciate in value over time, while classic cars can be expected to increase in value. When insuring a classic car, the owner will want to obtain a policy that will make payments based on the true value of the vehicle, and that will make payments for the full value. This type of insurance is commonly referred to as agreed-value insurance. Details of insurance coverage will vary according to company, and location. Car owners should make sure their policy provides the coverage they expect.AutoCarInsurance.org is here to help you find the best coverage for your classic car at affordable rates. Start by simply entering your zip code above for your free classic car insurance quote!