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Home > Blog > Classic Car Insurance: What You Need to Know
MONDAY, APRIL 21, 2025

Classic Car Insurance: What You Need to Know

Owning a classic car is a passion, but insuring it requires special considerations. Unlike standard auto insurance, classic car insurance is tailored to protect vintage, antique, and collector vehicles. Here’s what you need to know before choosing a policy.

What is Classic Car Insurance?

Classic car insurance is designed for vehicles that are:

  • Older than 20-25 years (varies by insurer)
  • Maintained for hobby or exhibition (not daily drivers)
  • In great/good or restored condition

Unlike regular auto insurance, classic car policies often offer agreed value coverage, meaning you and the insurer agree on the car’s worth upfront.

Key Benefits of Classic Car Insurance

  1. Agreed Value Coverage – Guarantees payout based on the car’s appraised value, not depreciated market value.
  2. Lower Premiums – Since classic cars are driven less, premiums are often cheaper than standard insurance.
  3. Flexible Mileage Limits – Policies may include annual mileage caps (e.g., 2,500–5,000 miles per year).
  4. Specialized Repair Options – Some insurers cover repairs using original or high-quality replacement parts.
  5. Spare Parts Coverage – Additional protection for rare or expensive parts.

Who Qualifies for Classic Car Insurance?

Insurers typically require:

  • The car must be garaged and well-maintained.
  • The owner must have a daily driver with standard insurance.
  • Limited use (parades, exhibitions, club events, occasional pleasure driving).
  • Good driving record (some insurers may deny coverage for recent violations).

Top Classic Car Insurance Providers

  • Safeco 
  • Hagerty – Leading provider with specialized coverage options.
  • American Modern – Good for modified or custom classic cars.
  • Geico – Offer classic car endorsements through their standard policies.

Tips for Lowering Classic Car Insurance Costs

✔ Join a car club – Some insurers offer discounts for members of recognized classic car clubs.
✔ Increase security – Installing alarms, GPS trackers, or garage storage can reduce premiums.
✔ Bundle policies – Some insurers offer discounts if you insure multiple classic cars or combine with home insurance.
✔ Choose higher deductibles – If you can afford a higher out-of-pocket cost in case of a claim, your premiums may decrease.

Final Thoughts

Classic car insurance protects your prized vehicle while offering cost savings compared to standard policies. Always compare quotes, read policy details, and ensure your car meets eligibility requirements.

Do you own a classic car? Share your experience with classic car insurance in the comments! 🚗💨

www.alohainsuranceco.com

Aloha Insurance

8753 Yates Dr Ste 200 Westminster CO 80031

BUS:  303-489-0889

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Disclaimer: This blog is for informational purposes only. Policy terms and conditions vary by provider—always read your insurance contract carefully.

 

Posted 5:10 PM

Tags: classic car insurance, vintage car insurance, antique car coverage, collector car insurance, agreed value insurance, classic car protection, cheap classic car insurance, hagerty insurance, grundy insurance, classic car tips, insuring a classic car, classic car valuation, classic car safety
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