Classic Car Insurance with an agent

What makes a car classic for insurance?

For a car to be defined as “classic” or "antique," it usually needs to be at least 20-25 years old and have certain qualities that increase its value with time. These qualities include:

• Rarity: Classic cars are often limited in production numbers or have unique features.
• Design: Classic cars usually feature timeless, iconic designs.
• Historical Significance: Some classic cars hold historical or cultural value.
• Collectability: Classic cars are often sought after by collectors and enthusiasts.
• Preservation: Classic cars are usually maintained in their original or restored condition.

Own a classic car? Talk with one of our agents to learn more about how it qualifies as a true classic and ensure its properly protected with the right insurance coverage.

Why should I use an insurance agent to buy classic car insurance?

Simply put, insurance for a classic or antique car is considered specialty coverage, meaning it isn't as straightforward as buying traditional car insurance.

Insurance agents will work with you to understand your vehicle's uniqueness and ensure it is adequately protected.

Additionally, working with an agent allows you to tap into their expertise to uncover potential savings, get multiple quotes from various carriers, and find you the most competitive rates. Best of all, there is no additional cost to you.

Are classic cars more expensive to insure?

Classic cars are typically less expensive to insure than everyday cars because they are driven much less frequently. However, insurance rates can vary greatly based on the car's location, value, usage, and specific insurance coverages and limits. We recommend talking with an insurance agent to find the best coverage at a competitive price.

Are there mileage limitations for classic car insurance?

Generally, yes. Classic car insurance policies will usually come with mileage restrictions to reflect their limited use and preservation of their value. Mileage limits can vary by insurance carrier, but they typically range from 1,000-7,500 miles per year.

It's important to make sure you understand the agreed upon limit in your policy, and the terms if this limit is exceeded. Some insurance companies may offer additional miles for an added cost. It's best to discuss your options with an insurance agent who understands this specialty coverage.

How do I start working with an agent?

With Comparion, getting a classic car insurance quote with an agent is quick and easy. Start a car insurance quote with just your name, address, email, and phone number, and an insurance agent near you will give you a call to finish the process.

Want to have a conversation first? Find an agent near you and schedule time to talk. We have agents all over the country who are ready to work with you and recommend coverage options that best protect you and your classic car.