Most insurers define an antique car as a vehicle that’s at least 25 years old and kept in good, original condition. Classic or collector cars may also qualify, depending on age, rarity, and usage.

Unlike standard auto policies, antique car insurance offers “agreed value coverage” (you and the insurer agree on your car’s worth upfront). That means no depreciation deductions if it’s totaled, you get the full insured value.

No, daily driving usually isn’t covered. Most antique car policies require limited mileage and restrict use to exhibitions, car shows, and occasional leisure drives.

We work with you to establish an agreed value based on your car’s condition, rarity, and market trends. This ensures you’re paid exactly what your vehicle is worth, not just “book value.”

Yes, most antique policies include specialized roadside assistance that covers towing with flatbed trucks (to protect your car) and access to repair shops familiar with classic vehicles.

Absolutely. Many antique car policies cover spare parts, tools, and restoration materials, so you’re not out of pocket if something happens during maintenance or repair.

Yes, most insurers require secure indoor storage to qualify for antique car insurance. This helps keep premiums lower and ensures your vehicle stays protected.

Antique car insurance is usually cheaper than standard auto insurance because the vehicles are driven less frequently and stored safely. Cost depends on value, mileage limits, and coverage options.

Yes, you can often bundle multiple vehicles under a collector’s policy, which can save you money and simplify your coverage.

Policies can be updated to reflect appreciation. We recommend reviewing your coverage annually to make sure your agreed value keeps pace with the market.