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What does Classic Car Insurance Cover?

There is no widely accepted standard definition for a classic car, but it is standardly a car that increases in value over time and is considered a collectible item. Classic cars are used differently than other cars – you are unlikely to take your kid to football practice in a 1964 muscle car. As an antique or classic car owner, you drive carefully and avoid unnecessary risks.

As a result, classic car insurance is often cheaper than standard car insurance because it considers how the owner is likely to use the car, and careful driving is rewarded.

What does Classic Car Insurance Cover?

Standard auto insurance provides coverage for liability, medical, and property. Washington state law requires liability coverage regardless of the vehicle’s age. However, there are other coverages you may also want to consider.

As a classic car owner, you know the struggle of finding matching parts for your car, and you want insurance that will provide specialized repairs if there is an accident.

Classic car insurance can include specialist services, such as towing and repairs for antique cars. There is also a claims process for rare parts that may otherwise be difficult to find.

Coverage can include:

  • Expert bodywork
  • Specialized mechanics
  • Safe care transportation
  • Hard-to-find parts

A classic car insurance policy treats the value of your auto differently – the value of many antique vehicles increases with the age of the automobile – and is a great way to maintain the value of your purchase.

Looking for Classic Car Coverage in Bellevue, WA?

VIP Insured can help you identify if your classic car qualifies based on various factors, including age, typical use, modifications, and more. If you are looking for expert insurance advice in the Bellevue, WA community, contact us at VIP Insured.

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.


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