A Guide To Finding The Best Auto Insurance For Classic Cars

Auto Insurance


If you’re lucky enough to own a classic car, you know that it’s not just a vehicle – it’s an investment. And like any investment, you want to make sure it’s properly protected in the event of an accident or other damage. That’s why finding the best auto insurance for classic cars is so important. But with so many options out there, it can be tricky to know where to start. Never fear – we’re here to help. In this blog post, we’ll walk you through everything you need to know about getting classic car insurance, from what coverage options are available to how to get the best rate. Read on for everything you need to ensure your classic car is properly protected.

What is a classic car?

When it comes to auto insurance, the term “classic car” can mean different things to different people. For some, a classic car is any vehicle that’s at least 25 years old. For others, a classic car must be an American-made muscle car from the 1960s or 1970s. And for still others, a classic car can be any vehicle that has a special meaning or sentimental value.

No matter what your definition of a classic car is, if you own one (or more) you need to make sure you have the right kind of insurance coverage. Here’s what you need to know about insuring a classic car:

The definition of a “classic car” can vary from insurer to insurer. Some insurers consider any vehicle that’s at least 20 years old to be a classic, while others have stricter definitions. Make sure you check with your insurer to see how they define a classic car.

Classic cars usually require higher premiums than newer vehicles because they’re more expensive to repair or replace. But there are ways to get lower rates on classic car insurance, such as by insuring multiple vehicles with the same company.

What is classic car insurance?

When it comes to insuring your classic car, you have a few different options. You can go with a standard auto insurance policy, or you can get a specialized classic car insurance policy. There are benefits and drawbacks to both, so it’s important to understand the difference before making a decision.

A standard auto insurance policy will usually cover your classic car if it’s used for occasional pleasure driving and isn’t your primary vehicle. However, there are often restrictions on how much coverage you’ll get and what types of damage will be covered. For example, most standard policies won’t cover wear and tear or mechanical breakdowns.

A specialized classic car insurance policy is designed specifically for classic cars. It generally provides more comprehensive coverage than a standard policy, including things like agreed value coverage (which pays out the full insured value of your car in the event of a total loss), spare parts coverage, and trip interruption coverage. However, these policies can be more expensive than standard policies, so it’s important to compare quotes from multiple insurers to make sure you’re getting the best deal.

What factors affect classic car insurance rates?

There are a few factors that affect classic car insurance rates. The first is the value of your car. Obviously, the more valuable your car is, the more it will cost to insure. Another factor is the age of your car. Older cars are generally more expensive to insure than newer ones. finally, the type of classic car you have will also affect your rates. For example, a muscle car will typically be more expensive to insure than a classic sedan.

How to find the best auto insurance for classic cars

As the owner of a classic car, you want to make sure you have the best auto insurance coverage possible. Here are some tips for finding the best policy for your classic car:

1. Do your research. When it comes to classic cars, there are a lot of different insurance companies out there and not all of them will offer the same coverage or price. It’s important to do your research and get quotes from a few different companies before making a decision.

2. Consider agreed value coverage. With agreed value coverage, your car is insured for its agreed upon value regardless of its actual cash value. This is a good option if you have a classic car that has great sentimental or historical value.

3. Get comprehensive and collision coverage. Since classic cars are often worth more than standard vehicles, it’s important to get comprehensive and collision coverage in case your car is damaged in an accident or stolen.

4. Ask about discounts. Many insurance companies offer discounts for things like having multiple cars on one policy or being a safe driver. Be sure to ask about any discounts that might be available to you so you can save even more on your premium.

The benefits of classic car insurance

There are many benefits to having classic car insurance. One of the most important benefits is that you will have coverage for your classic car in the event it is damaged in an accident. Classic car insurance also provides coverage for theft and vandalism.

Another important benefit of classic car insurance is that it can help you get discounts on your auto insurance premiums. Many insurers offer discounts to policyholders who have classic cars.Discounts may be available for multiple vehicles, safety features, anti-theft devices, and more.

Classic car insurance also offers a number of other benefits, including:

• Roadside assistance – If your classic car breaks down, you can rely on your insurer to provide roadside assistance. This service can help you get your car back on the road quickly and without hassle.

• Rental reimbursement – If your classic car is involved in an accident and needs to be repaired, your insurer may reimburse you for the cost of a rental car while your car is being fixed.

• Trip interruption coverage – If you are stranded away from home due to a breakdown or accident, your insurer may cover the cost of meals, lodging, and transportation expenses.

The drawbacks of classic car insurance

There are a few potential drawbacks to be aware of when insuring a classic car. Firstly, classic car insurance can be more expensive than traditional auto insurance. This is because classic cars are generally worth more money, and so the insurance company will charge more to cover it in the event of an accident. Secondly, classic car insurance may have stricter rules and regulations than regular auto insurance. For example, some insurers will only cover certain types ofclassic cars, and may not cover modifications or aftermarket parts. Finally, classic car insurance may not offer the same level of coverage as regular auto insurance. For example, some insurers will only cover liability in the event of an accident, while others will also provide collision and comprehensive coverage.

How to get the most out of classic car insurance

When it comes to classic car insurance, there are a few things you can do to make sure you’re getting the most out of your policy. Here are a few tips:

1. Shop around and compare rates from different insurers.

2. Make sure you’re clear on what coverage you need and what your budget is.

3. Ask about discounts that may be available, such as for bundling classic car insurance with other types of coverage.

4. Read the fine print carefully so you understand exactly what is and isn’t covered under your policy.

5. Keep your classic car in good condition to help keep premiums down.


Regardless of whether you’re driving a classic car or a regular car, it’s important to have auto insurance. However, finding the right auto insurance for classic cars can be difficult. We hope that our guide has helped you understand what factors to consider when looking for auto insurance for your classic car. If you have any questions, feel free to reach out to us and we’ll be happy to help you find the best coverage for your needs.


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