Image: Man sitting in his classic car, enjoying the view while taking a break on his road trip
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If you want to protect your investment in your classic car, a specific type of insurance fits the bill. It’s classic car insurance, and it offers specialized coverage for your vintage ride. Here are our picks for the best classic car insurance companies.
Which types of vehicles need classic car insurance?
The definition of a classic car varies but may include antique cars that are at least 25 to 30 years old, hotrods and modified cars, exotic and luxury cars, muscle cars, and classic trucks. Vehicles that fall within this bucket might need classic car insurance.
How can I qualify for classic car insurance?
A car’s age isn’t enough to make it eligible for classic car coverage. Many insurers set usage limits that prevent you from utilizing your vehicle for commuting and errands or require you to store it in a locked, private structure when it’s not in use. Finally, some insurers will disqualify you from coverage if you have serious offenses on your driving record.
Does classic car insurance cover specialized repair and restoration?
Restoring and repairing a classic car may cost twice as much as a typical car repair. Classic car insurance is available that covers the higher costs of repairing and restoring a vintage car.
How we picked these insurers
We looked at insurers offering coverage for classic cars to pick our candidates. We considered the breadth of vehicle coverage offered, the selection of each company’s insurance products, and specific offerings for five different categories. We also factored in customer service benefits and discounts.
About the author: Warren Clarke is a writer whose work has been published by Edmunds.com and the New York Daily News. He enjoys providing readers with information that can make their lives happier and more expansive. Warren holds a Bac… Read more.
