Classic Car Insurance

Because the marketplace values classic and collectible cars differently, you will need a policy that provides different coverage than “regular use” drivers. Since classic and collectible cars often register as older vehicles, they aren’t evaluated at their true market value according to standard insurance practices. So if you have an accident, you could end up paying the difference out of pocket on any repairs or replacements you’re not fully insured for, or if there’s a gap in your policy you didn’t know about.

We understand how much time and effort you put into your car. That’s why we offer specialized insurance for antique and classic cars, modified collector cars, reproductions, replicas, restorations, and modern classic cars.

Classic and collectible car insurance is different than ordinary car insurance because it’s geared to cover the full collectible value of your car.

In the same way you’d customize your ride, you need a customized classic car policy, which takes into account the car’s collectible value, the miles you drive each year, and many other personalized adjustments.

But unlike standard auto insurance policies, you only pay for what you need because you won’t need full-time coverage. So you’ll be surprised at how affordable complete coverage can be for average classic and collectible car owners like you.

Is your car qualified for antique car insurance coverage?

In order to qualify for classic car insurance, your antique car must fit on one of the following definitions:

• Classic car

Your car must be 10 to 24 years old that has historic interest such as a hot rod or muscle car.

• Antique car

Your car must be 25 or more years old that has historic interest. If your “classic car” is already more than 25 years old, it is now called an antique car for insurance purposes.

Your antique or classic car must also meet the following conditions:

• Limited use

Your antique or classic car should only be used on a very limited basis that is driven only 2,500 miles per year or less for shows, exhibitions, club activities, or parades.

• Condition

Your car must be restored, maintained, and well-preserved in its original condition or undergoing restoration. Some insurance companies may decline if your car is not in perfect condition.

It’s important that you store your car in an enclosed space.

Classic and collectible car insurance is different than ordinary car insurance because it’s geared to cover the full collectible value of your car.

In the same way you’d customize your ride, you need a customized classic car policy, which takes into account the car’s collectible value, the miles you drive each year, and many other personalized adjustments.

But unlike standard auto insurance policies, you only pay for what you need because you won’t need full-time coverage. So you’ll be surprised at how affordable complete coverage can be for average classic and collectible car owners like you.

When we submit your application for insurance, your insurance carrier may require us to provide some or all of the information below. Should you ever be in the unfortunate position of filing a claim, everything will be in order.

• Usage: It is your car and you should feel free to drive it. We will tailor your policy to reflect your driving habits.
• Storage: Your collectible car should be stored inside in a secure locked garage or structure. The following storage facilities normally qualify are: residential garage, barn, secure rental storage unit, and others. Let’s talk about yours!
• Regular-Use Vehicles: Since you don’t need to drive your “baby” every day, carriers will require that you maintain “regular use” insurance in your name on a daily driver vehicle. Customarily, motorcycles do not qualify as a daily driver nor does public transportation.
• Driver Eligibility: As with other forms of auto insurance, your driving history will also be taken into account. Serious infractions within the last 5 years such as OUI, DUI, excessive speeding, driving recklessly or an alcohol citation could affect eligibility, but may not necessarily disqualify you. Minor traffic violations or accidents per household are generally acceptable.

When we submit your application for insurance, your insurance carrier may require us to provide some or all of the information below. Should you ever be in the unfortunate position of filing a claim, everything will be in order.

• Usage: It is your car and you should feel free to drive it. We will tailor your policy to reflect your driving habits.
• Storage: Your collectible car should be stored inside in a secure locked garage or structure. The following storage facilities normally qualify are: residential garage, barn, secure rental storage unit, and others. Let’s talk about yours!
• Regular-Use Vehicles: Since you don’t need to drive your “baby” every day, carriers will require that you maintain “regular use” insurance in your name on a daily driver vehicle. Customarily, motorcycles do not qualify as a daily driver nor does public transportation.
• Driver Eligibility: As with other forms of auto insurance, your driving history will also be taken into account. Serious infractions within the last 5 years such as OUI, DUI, excessive speeding, driving recklessly or an alcohol citation could affect eligibility, but may not necessarily disqualify you. Minor traffic violations or accidents per household are generally acceptable.

Contact us and let our team of insurance professionals in Denver, Colorado, help you wherever you are. Advantage Insurance Solutions will forge the strongest shield possible to help you protect the classic and antique cars you have worked hard to keep safe.