Coverage for your prized possession.
Classic car insurance from a local, family-owned agency.
Your prized collector car represents a real commitment of your time and resources. We’ll help you protect your investment through specialized insurance coverage designed for classic car enthusiasts like you.
Value for you classic.
Your classic car is special to you and that’s why classic car coverage is a special category with some key differences to ordinary auto insurance policies.
A variety of coverages for collector, antique, and classic cars.
First, let’s deal with the name. Different policies may be called classic, collector, or antique car insurance. Exactly what qualifies will depend on the insurance company, but usually, such policies cover cars that are not only of a certain age but have distinctive characteristics such as being particularly rare.
Guaranteed Replacement Coverage.
Our family of Independent Agents has partnered with Hagerty Insurance to offer customers in Virginia guaranteed replacement cost for classic cars.
This means no depreciation and guaranteed coverage at full value.
Applies to limited use cars, not daily drivers.
One note of caution, however: many classic car policies only apply to limited usage, whether that’s a specified (low) annual mileage, or only covering trips to exhibitions and parades rather than everyday driving.
Be sure to connect with us to discuss the details of insurance for your classic, collector, or antique car. We can help to find the right policy for you!
Classic Car Insurance FAQ
What are the general eligibility requirements for classic car insurance?
Most insurers require that the vehicle be well-maintained, kept in a secure, enclosed storage space such as a garage, and used primarily for hobby purposes rather than for daily transportation. Exact age thresholds and other requirements vary by insurer, so it’s worth confirming with your agent whether your specific vehicle qualifies.
Is there a mileage limit on classic car insurance?
Many (but not all) classic car policies do limit annual mileage since the coverage is designed for limited, hobby-related use. Mileage limits and how they’re enforced vary by policy, so it’s important to review your specific terms with your agent.
Can I drive my classic car to work or use it as a daily driver?
Generally, no. Classic car insurance is designed for occasional use, such as shows, tours, and pleasure drives, and using the vehicle as regular transportation may fall outside your policy’s terms. If you drive your classic more frequently, talk to your agent about whether a standard auto policy would be a better fit.
Do I still need a separate auto policy for my other vehicles?
Yes. A classic car policy only covers the vehicle(s) listed on it, so any car you drive regularly still needs its own standard auto policy. Your agent can help you figure out whether bundling the two makes sense for your situation.
Get Started Today
As an independent agency, we are here to help you find the right Classic Car Insurance coverage.
Get a Quote
Classic Car Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
Get a Quote
It only takes a minute to get started.
- Fill out the form, we’ll be in touch.
- Review options with an agent.
- Get the coverage you need.
