Classic Car Insurance - Daily Driver Classic Car Insurance

Classic car insurance quotes
Quotes on classic car insurance and antique show cars can be found from top car insurance companies in the United States by simply entering your zip code in the search box above. Classic cars, show cars, and antique cars in general have different types of coverage requirements than your typical daily driver or commuter car. These cars are often not driven nearly as much, can be much harder to fix or find replacement parts for, and can be worth much more money than when they were brand new. Because of this, antique car insurance, classic car insurance, or show car insurance has an extremely wide range of coverage options. To receive a quote on classic car insurance in your area, enter your zip code above and have a local agent contact you with the best rates and coverage for your situation.

Classic Car Insurance Quote

Whether it’s a fine vintage or an elegant modern classic daily driver, classic cars never fails to turn heads. The timeless appeal of classic cars remains to be the object of desire of vintage collectors, car aficionados, or even the people who just love driving on pure leather interior. Whether you drive it for work or for pleasure only, it is vital that you preserve its ageless appeal and give it the suitable protection that it needs.

Classic cars have different needs than regular vehicles. They require very high maintenance and finding parts as replacement may take you to places that you have never been in and may cost more than you thought you would ever spend. It’s important to know the value of your classic car and to always be aware of how much it costs every year. Unlike new cars that have high depreciative value, classic cars gain value every year. Cars that are 25 years or older are considered vintage, but cars that are not younger than 15 years are still considered modern classics.

Determining the exact value of your car may be a painstaking process that involves looking for upgrade and repair receipts in your backseat. If the car has not undergone any mechanical repair or restoration, you can look for it in the Old Cars Price Guide or the NADA Guides. But if you have made major restorations on the car, you may need to find an appraiser. Appraisers will determine the value of your classic car by looking at its model, examining how it has been preserved through the years, and the cost to have it restored. You will need to declare this recommended value when asking for a quote from insurance companies. This will determine the “agreed value”, or the total cost that your insurance company will need to pay you in case of theft or total damage. Remember that the price of classic cars increases every year. So it is important to always check for the current value of your car and have your policy and coverage updated on a regular basis. Some car insurance companies would automatically adjust the agreed value of a car on a quarterly or annual basis. But if otherwise, keep yourself alert.

Liability coverage may cost less than your comprehensive coverage. This is a total opposite to what the regular car insurance is like. This is due to the fact that drivers of classic cars are most often than not very wary about driving. So it’s wise to say that pedestrians are safe in the presence of a classic. Owners just don’t want their cars to be stained. Repair can be very costly so the comprehensive coverage limit must be very high, and this asks for an even higher premium. Cost for comprehensive coverage for classic cars is usually 1% of its value. Fixing or replacing a broken side mirror can be very expensive. Since parts are no longer being manufactured, they can be anywhere in the world but in a car repair shop.

Classic cars have a very strict mileage restriction. On an average, 2500 miles per year is the maximum. Other insurance companies may allow extended mileage but that would cost more. Owners of classic cars are advised to drive their precious automobile for pleasure alone. In a household, they may need owners to have other cars. The principal policy holder also needs to have at least ten years of driving experience and must not be younger than 25 years old.