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How Does Classic Car Insurance Work?

If you have a classic car, it’s a great way to show off your interests and to have a vehicle that is different from the norm. Many people love their classic cars, and having classic car insurance is one way to take care of it. If you are interested in this type of insurance, give us a call now at VIP Insured in Bellevue, WA.

The Age and Make of Your Classic Car

One of the criteria for getting classic car insurance is simply whether what you have is a classic car. A classic car may be one that is at least 10 years old and has some kind of historical significance, or it may be considerably older. There are some insurers that will insure a 10-year-old car as a classic car and some that prefer it to be 25 to even 50 years old or older. It all depends on the individual insurer. If you feel that your car is a classic car, be willing to give reasons why it is so. 

Setting a Value

You are required to have bodily injury liability and property damage liability as a part of your auto insurance, but you can also add to those coverages. If you want to cover it for damage or replacement in an accident, you will need collision coverage. For classic cars, this coverage often has a stated maximum amount, as classic cars can go up in value over time. 

Covering Your Classic Car

Even if you don’t use your classic car very often, it has to have insurance on it. This is a smart way to keep it protected so that you aren’t drowning in medical and property damage bills after an accident. If you need this insurance type, contact us at VIP Insured in Bellevue, WA.

  • Allied
  • Assurant
  • Chubb
  • Dairyland
  • Direct Auto Home
  • Encompass
  • MetLife
  • Metromile
  • Mutual of Enumclaw
  • National General
  • Nationwide
  • Progressive
  • QBE
  • Safeco
  • Travelers

Servicing States

  • Washington
  • Arizona
  • Florida

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