March 20, 2025
Agency

Insuring Your Classic Car

Each classic car reflects a unique era of automotive history and craftsmanship. They generally need specialized coverage that standard auto insurance may not provide. A classic car insurance policy offers unique features designed for these valuable investments.

What Is a Classic Car?

Classic cars are usually classified into different categories, such as antique or vintage, each with specific requirements. Generally, classic vehicles are:

  • At least 20 years old
  • Maintained in excellent condition
  • Mainly used for auto shows and club activities
  • Driven periodically (not used for daily transportation)
  • Stored in an enclosed and locked structure

What Does Classic Car Insurance Cover?

While classic car insurance policies might offer features not found in standard auto coverage, they also share common elements. Typically, classic car insurance includes the following:

  • Bodily injury liability coverage 
  • Property damage liability coverage 
  • Collision coverage 
  • Comprehensive coverage 
  • Medical payments coverage 
  • Personal injury protection coverage 

Apart from these standard coverages, classic car insurance may be enhanced with additional features such as the following:

  • Agreed value coverage may allow you and your insurer to determine the car’s insured value at the start of the policy. This payout amount remains constant throughout the policy term.  
  • Custom maintenance coverage may help you access specific services, including specialized garages or auto shops. This may also cover the cost of parts and components designed for your vehicle. 
  • Transportation assistance coverage may provide financial support for roadside assistance and specialized towing. 
  • Spare parts coverage may allow for replacing items such as extra tires if they are stolen, lost or damaged. 

Contact Us

Vozza Insurance Agency understands the needs of classic car owners and offers insurance solutions that preserve the value of these cherished vehicles. Contact us today to explore coverage options.

 

 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Categories: Auto Insurance, Blog, Classic Car Insurance

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