Finding Classic Car Insurance

You’ve got a very special car — so you’ll need a special insurance policy to go with it.

Your classic car is much more valuable than some plain-old Buick. It’s also a lot more expensive to repair. So it's no surprise that insuring it is expensive, too. But if your classic car is your pride and joy, the cost of auto insurance coverage is a small price to pay to keep it protected.

Not every insurance firm will offer the antique car insurance that’s right for you, so be ready to do a little digging.

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What You Should Know About Antique Automobile Insurance

There aren't a whole lot of options for insuring your antique automobile. Here's what you need to know about antique car insurance:

• Classic car insurance policies usually limit actual use of the car to auto shows and other special events. If you drive your car on a regular basis, most antique car insurance will not cover you.
• If you drive your classic car on a regular basis but you also use a second car, you can be covered by select antique car insurance companies. And your second car needs to be insured, usually with at least liability coverage.

Is Your Classic Car Eligible For A Discount?

In order to be eligible for special discounts on your antique car insurance, your vehicle has to be defined as antique or vintage. That generally means it must be at least 30 years old.

If your car has been modified, many insurers won't cover it. That includes any car modified for racing, or fitted with a nitrous system. And when your car isn't in use, most policies require it to be kept in a locked garage.

Ways To Save On Your Antique Car Insurance

There are a few ways to save if you’re looking for antique truck or car insurance.

• Don’t go for the full package of antique auto insurance if you’re not taking your car on the road. If your classic car is just for show, you can save by opting out of the full insurance package.
• Getting the best deal means talking to several automobile insurance companies about your needs. You may end up with a discount depending on a few factors that can change from company to company. So don’t be afraid to take the time to shop around to find the best price.
• Get exactly what you need. Some insurance companies can create a custom policy for your antique car.

Want to find out more? Use our free quote service to get matched with agents that can help you find the right policy for your antique car or classic truck.