Your classic car isn’t just a vehicle — it’s a piece of history, a labor of love, and a significant investment. Standard auto insurance wasn’t designed to protect collector vehicles, which is why classic car insurance exists. At Aloha Insurance Co, we help classic and collector car owners across Westminster, Thornton, Northglenn, Arvada, Broomfield, and the North Denver metro find specialized coverage that truly protects their investment.
What Is Classic Car Insurance?
Classic car insurance is a specialized policy designed for antique, vintage, classic, and collector vehicles. It differs from standard auto insurance in several important ways — most notably in how your vehicle’s value is determined at the time of a claim.
Agreed Value vs. Actual Cash Value
One of the biggest advantages of classic car insurance is agreed value coverage. With standard auto insurance, if your vehicle is totaled, you receive its actual cash value — which accounts for depreciation and may be far less than what your car is worth to you.
With agreed value coverage, you and the insurance company agree on the value of the vehicle upfront. If it’s totaled or stolen, you receive that full agreed amount — no depreciation, no surprises.
What Does Classic Car Insurance Cover?
Agreed Value Coverage — You receive the full insured value with no depreciation deducted.
Liability Coverage — Required by Colorado law. Covers damage or injuries you cause to others.
Comprehensive Coverage — Protects against theft, fire, hail, vandalism, and other non-collision events.
Spare Parts Coverage — Covers specialty parts and components specific to your collector vehicle.
Limited Mileage Options — Many classic car policies offer lower premiums in exchange for limited annual mileage.
What Vehicles Qualify?
Typically, vehicles 25 years or older may qualify for classic car insurance. Some carriers also cover antique, vintage, exotic, and custom vehicles regardless of age. Ask us about your specific vehicle.
Why Aloha Insurance Co?
We shop multiple carriers including Geico, Allstate, Liberty Mutual, National General, Foremost, Bristol West, American Modern, and more. Serving collector car owners across Westminster, Thornton, Northglenn, Arvada, Broomfield, and the North Denver metro.
???? Call us today for a free classic car insurance quote.
Disclaimer:
Coverage and carrier availability vary by eligibility. Not a guaranteed quote or binding coverage. Not all products available in all states.
