Classic Car Insurance

These aren’t just cars – they’re your pride and joy, and we’ll take every precaution to help you protect them. Get the best insurance for your classic car today!

Do you have an old Corvette from 1957? What about an old Lamborghini or a hot rod you’ve restored over the years? Do you love taking your classic Dodge Charger out for a spin on a sunny day or showing it off at a car show?

Classic car insurance also known as antique auto insurance or vintage car insurance is specialized liability coverage needed by anyone who has a custom classic car or limited production vehicle that is worried about protecting it in the case of an accident. We understand that everything from the car body to the old parts inside the vehicle is vintage.

Collector cars require specialized insurance coverage that is tailored to their unique value and usage. Unlike regular cars, collector cars appreciate in value over time, so their insurance coverage needs to reflect that. A standard auto insurance policy may not provide adequate coverage for a collector car, so it’s important to work with an insurance professional who specializes in collector car insurance.

Let us take the worry out of protecting your classic car so that you can get back to showing it at local meetups and cruising around the neighborhood.

Types of insurance protects available for specialized autos:

Classic cars
Collector cars
Vintage cars
Antique cars

It is important to note that the specific insurance needs for a classic car may vary depending on factors such as its age, condition, and usage. It is always a good idea to consult with an insurance professional who specializes in classic car insurance to determine the best coverage for your specific vehicle.

How old does my classic automobile need to be to qualify for a classic car insurance policy?

Generally, your classic car will need to be around 25 years old or older. Various collector car insurance options are available depending on the age of your car, make, model, usage, and more. It’s best to speak with a Horton expert so you can have peace of mind knowing that you’ll be covered for total loss in the event of any damages to your vintage car.

One key element of collector car insurance is agreed value coverage, which ensures that your car is insured for its full value in case of theft, total loss, or damage. Unlike standard auto insurance policies, which may only pay out the actual cash value of your car at the time of the loss, agreed value coverage guarantees that you will receive the full amount that you and the insurance company agreed upon when you purchased the policy.

In addition to agreed value coverage, collector car insurance may also include other specialized coverages such as spare parts coverage, which provides protection for any spare parts that you keep on hand for your collector car, and restoration coverage, which provides coverage for any damage that may occur during the restoration process.

What coverage does my classic car require?

Classic cars require similar coverage to any standard auto insurance policy at the least. Considerations include:

Agreed Value Coverage: This type of coverage ensures that the car is insured for its full value in case of theft, total loss, or damage. It is important for classic cars because they tend to appreciate in value over time.
Liability Insurance – Coverage to protect a driver in the event that he or she is held liable for property damage, injuries to others, etc.
Medical coverage – Financial protection in the event that the driver and/or their occupants suffer injuries that require medical attention.
Collision coverage – A policy that will cover a driver from costs that result from an accident with another vehicle.
Comprehensive coverage – A policy that will cover a driver from the costs that result from an accident with an object other than a vehicle (may include animals, storm damage, falling objects, etc.)
Uninsured/Underinsured insurance – Coverage in the event that the opposing driver does not have auto insurance in place to cover you.

Owning an antique car or collector vehicle requires additional unique coverages to ensure your coverage goes beyond a typical car insurance policy. Your vehicle’s coverage should be tailored to fit its risks. For example, many classic autos require spare part coverage for spare parts unique to each classic car and hard to find. Speaking to a Horton expert can help you plan for unexpected mishaps.

Frequently Asked Questions for Classic Car Insurance

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To qualify for coverage, does my car require special storage?

To qualify for classic car insurance, your automobile must be stored safely when not in use. This can be in a garage, storage unit, or anywhere where your car is safe and protected.

Can I still drive my car?

Yes, as long as it’s not used as your primary daily driver vehicle. Regular use vehicles do not quality under classic car insurance policies. Generally, using your classic automobile for occasional leisure driving is fine. For more info on acceptable use policies, please speak with one of our agents.

Coverages for Personal Insurance

At The Horton Group, we understand you want what’s best for you and your loved ones. That’s why we offer comprehensive coverage for individuals and Private Clients looking to protect their unique lifestyles and assets.