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Car Insurance Tips for Classic & Antique Car Owners
Owning a classic or antique car isn’t just about getting from A to B—it’s about passion, craftsmanship, and history. Whether it’s a pristine ’69 Mustang or a fully restored vintage Beetle, classic cars deserve special care—especially when it comes to insurance. Standard auto insurance just won’t cut it.
In this article, we’ll break down everything you need to know to properly protect your classic or antique vehicle, and offer expert tips to make sure you’re getting the coverage you actually need—without overpaying.
🚗 What Qualifies as a Classic or Antique Car?
Before diving into insurance tips, let’s define the difference:
- Classic Car: Typically 20–40 years old, maintained in good working condition, and not used for daily driving.
- Antique Car: Usually 45+ years old and preserved or restored to near-original condition.
- Collector Vehicle: Includes limited-edition or exotic vehicles, even if newer, that hold or appreciate in value.
📝 Tip: Always check how your insurer defines these categories—they may have specific mileage, condition, and usage requirements.
🛡 Why You Need Specialized Classic Car Insurance
Standard auto policies are based on actual cash value (ACV)—which accounts for depreciation. That’s bad news for a rare car that’s increasing in value.
Classic car insurance, on the other hand, typically uses an Agreed Value policy. This means you and the insurer agree upfront on what the vehicle is worth. If it’s totaled or stolen, you’re reimbursed that full amount—no depreciation, no surprises.
✅ Top Tips for Insuring Your Classic or Antique Car
1. Choose a Specialized Classic Car Insurer
Companies like Hagerty, Grundy, and American Collectors Insurance focus exclusively on collector cars. They understand your vehicle’s value, needs, and usage.
2. Get an Accurate Agreed Value
Work with an appraiser or use valuation tools (like Hagerty’s Valuation Guide) to determine the right value. Don’t lowball it—you could get shortchanged in a total loss.
3. Limit Your Mileage
Most policies have mileage restrictions (usually 2,500–7,500 miles/year). The less you drive, the lower your premium.
💡 Bonus: Some insurers offer “pleasure use” mileage tiers for weekend cruisers or show cars.
4. Prove Secure Storage
Many providers require that the vehicle be stored in a locked garage. Bonus points for climate-controlled or monitored storage.
5. Keep Maintenance Records
Detailed documentation helps prove your vehicle’s condition and value—and may help in claims or valuation disputes.
6. Consider Spare Parts Coverage
Some policies include or allow add-ons for rare or hard-to-find parts. This can be a lifesaver during a restoration.
7. Ask About Inflation Protection
Your car’s value might increase. Some insurers offer automatic inflation protection or allow you to update your agreed value annually.
🧾 Optional Add-Ons Worth Considering
- Roadside Assistance for Classics: Covers flatbeds instead of standard tows (important for low-clearance cars).
- Cherished Salvage Coverage: Lets you keep the car even after a total loss payout.
- Automobilia & Accessories Coverage: Protects vintage plates, manuals, badges, and other collectibles.
💬 Final Word
Insuring a classic car isn’t just about protecting your investment—it’s about honoring the legacy of a vehicle that’s stood the test of time. With the right policy and provider, you can rest easy knowing your pride and joy is properly covered, whether it’s on the road or in your garage.
Need help finding the best classic car insurance provider? Contact our team or get a custom quote tailored to your vehicle.
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