FRIDAY, NOVEMBER 19, 2021
If you own a classic car, such as an antique pickup or a vintage muscle car, you may want to consider a classic car insurance policy, which differs from your typical car insurance. When it comes to your highly prized vehicle, you should consider obtaining the proper coverage.
What Is Classic Car Insurance?
A classic car needs more than the average car insurance coverage. Classic car insurance provides enough coverage for you to occasionally drive your vehicle for specific events such as exhibitions, parades, classic car club activities and even the one-off leisurely cruise. If you drive your classic car regularly, this may not be the right coverage for you. 
Classic car insurance typically offers coverage types such as:
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Liability auto insurance—Covers damage and injuries you cause to others as well as legal defense in the event you are sued
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Collision and comprehensive insurance—Covers car accident damage to your own car due to auto theft, vandalism, animal collisions, fire, flood, hail, falling objects and riots
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Uninsured motorist coverage—Covers medical bills if someone without insurance crashes into you
Be sure to work with your trusted agent to find the right coverage for you.
What Vehicles Are Covered Under Classic Car Insurance?
There’s no specific definition of what qualifies as a classic car. That being said, if a car’s value exceeds its original selling price, it may be considered a classic car. Classic cars can also include:
What Are the Qualifications for a Classic Car?
There are a few basic guidelines typically followed when determining whether or not your car qualifies for classic car insurance:
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Limited use—Your classic car can’t be used for everyday commuting or errands.
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Car shows and meetings—The limited use provision of a classic car policy allows for travel to car shows and auto club gatherings.
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Secure storage—When not in use, your special vehicle must be stored in a locked, enclosed and private structure.
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A clean driving record—You may be disqualified from classic auto insurance if you have serious offenses on your driving record.
Contact Us Today
At Allwood Forlenza Insurance we want to help you insure your most valuable possessions. Contact us today to speak with an agent about classic car insurance for your vehicle.
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