Finding the Best Classic Car Auto Insurance

If you’re lucky enough to own a classic car, you know you have a prized possession that requires special care and attention. You need to find the best classic car auto insurance to ensure you’re covered in case of an accident. It’s important to ensure you have the right coverage to protect your classic car investment.

What is Classic Car Auto Insurance?

Classic car auto insurance is specialized coverage that is designed to provide protection for classic cars. These vehicles are typically more than 25 years old and are considered collector’s items. To qualify for classic car auto insurance, the car should be used in shows and parades, and not used as a daily driver. It should also be kept in a secure location when not in use. Classic car auto insurance typically provides coverage for:

Repair costs for damages caused by an accident or covered event.
Replacement of original parts that are damaged.
Damage caused by fire, theft, or vandalism.
Medical bills if you or another driver are injured in an accident.
Damage caused by natural disasters.

What to Look for in Classic Car Auto Insurance

When you’re looking for classic car auto insurance, you should consider coverage for:

Agreed Value Coverage: This type of coverage pays out the agreed-upon value of the car, regardless of the current market value. It’s important to note that the agreed-upon value needs to be updated regularly to ensure you’re fully covered.
Inflation Guard: This type of coverage increases your agreed-upon value to account for inflation.
Spare Parts Coverage: This coverage will help pay for spare parts, such as tires, batteries, and more, that are required to keep your classic car in running order.
Towing and Roadside Assistance: This coverage may be included in your policy and will help pay for towing and roadside assistance if your classic car breaks down.

How to Find the Best Classic Car Auto Insurance

When you’re looking for classic car auto insurance, you should shop around to find the best policy for your situation. Compare auto insurance companies and their policies to find the best coverage for your classic car. You should also consider the following when comparing auto insurance policies:

Cost: Compare the cost of the policy, including the monthly premium and any additional fees.
Coverage: Compare the coverage offered by each policy and make sure it meets your needs.
Discounts: Ask about any available discounts, such as multi-car discounts or discounts for being a safe driver.
Customer Service: Research the customer service offered by the auto insurance company and read online reviews to ensure they’re reliable.

The Bottom Line

Classic cars are valuable investments that require special care. To ensure you’re fully covered, it’s important to find the best classic car auto insurance. Shop around and compare coverage, cost, and customer service to find the best policy for your classic car.