Classic car insurance typically offers coverage types similar to a personal auto insurance policy:

Liability auto insurance: This coverage pays for damage and injuries you cause to others. It also pays for a legal defense if you are sued because of a car accident you caused. This coverage type is required in most states if you plan to drive your vehicle on public roads.

Collision and comprehensive insurance:These insurance types cover many problems, such as car accidents, damage to your car, auto theft, vandalism, collisions with animals, fire, flood, hail, falling objects, and riots.

Uninsured motorist coverage: This coverage pays for your medical bills if someone without insurance crashes into you. Some states require you to carry this coverage. In some states, it can also cover car damage caused by an uninsured driver.

In addition to the standard coverage types, classic car insurance typically has some optional coverage types that you can tailor to your needs:

A) Cherished salvage coverage

B) Spare parts and automotive tools coverage

C) Vehicle under construction coverage

D) Automobile coverage

They’re often more expensive than everyday rides and may require more complicated and specialized repairs if damaged. In addition, classic and collector cars are more likely to be stolen or vandalized of their value and rarity, making insurance all the more important.

More than age, a vehicle’s value is considered when qualifying for classic car insurance. In addition, the III says you’ll likely need to meet other requirements. For example, a vehicle protected by classic car insurance typically cannot be used for everyday driving. A classic car insurance policy may include mileage limitations, and some insurers require proof that the car is stored properly and that you have another vehicle for routine driving.

Some insurers allow you to drive the vehicle to car shows and auto club events. If not, you may need special coverage for those kinds of trips, the III says. Additionally, the insured vehicle typically must be securely stored in a private garage or other locked facility when not in use.

Insurers may also require you to have a clean driving record in order to purchase or renew a classic car insurance policy.

Get in touch with us to learn more about coverage options so you can protect your classic car.