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5 Tips for Insuring Your Classic Car


If you have a passion for classic cars, then you probably already know how exciting it can be to find and restore the make and model of your dreams. All your hard work has resulted in a showpiece you can be proud of, but now there are a few final steps to complete, such as registering your classic car and finding affordable insurance. Before you begin your search for a policy, however, there are a few tips and pointers you may want to keep in mind that could help you find the most coverage for your money.

1. Check How Modifications Affect a Policy

Your classic restore may have a few modifications, such as a custom paint job or interior accessories that were not part of the original model. If this is the case, then you may want to let your policy holder know about them. Take photos of each part, submit receipts to your local agent, and ask whether you will need a separate rider on your policy or if the modifications can be included on your standard policy.

It is important that you never assume an insurance company knows about your modifications, even if it is something as simple as a paint job, because this could seriously affect your claim if you are ever in an accident. While it may take some extra paperwork to ensure that every facet of your classic car is covered, knowing you have coverage can help give you peace of mind when you are out cruising.

2. Ask About Driver Restrictions

The Department of Motor Vehicles website states that the cost of car insurance can be affected by the age of the driver, especially if he or she is under the age of 25. While this might influence how you buy your car insurance, it is important to keep in mind that driving experience, no matter what the age of the driver, may factor into your policy as well. Some car insurance companies require that the driver of a classic car have at least five years of driving experience and drivers without those requirements would not be allowed to operate your vehicle.

Driver restrictions are an important point to consider, especially if you plan on taking your car on long trips and want to share the driving duties with someone. If you are unaware of these points and your car is involved in an accident, your insurance company may delay or even refuse your claim.

3. Ask About In-Progress Restorations

If your classic car is up and running but still needs a few more parts or some paint and polish before you’re ready to show it off at a car show or rally, you might want to ask your insurance company if they have special riders for cars in this condition. For example, if you are browsing for affordable insurance quotes on, you may want to compare how different companies might deal with a classic car that is not yet wholly restored, because not all basic policies cover this situation.

4. Read the Fine Print

You may find a company that covers circumstances that often come with driving a classic car, but before you sign on the dotted line, you may want to take the time to go over the details of your policy with a local or telephone agent to ensure you have all the coverage you need. Not only will this give you peace of mind no matter when or where you drive, but you can submit a claim with more confidence if you’re involved in an accident.

For example, if you are planning to drive to different states, ask your carrier if there are any mileage restrictions for your vehicle. These are usually calculated annually, and if you exceed this mileage, your claim could be denied if you have an accident. Other fine print restrictions may include a lack of coverage in case of natural disasters or certain limitations in the case of fire or theft.

Restoring your classic car was, no doubt a labor of love and passion, so finding an insurance policy that will cover it completely is probably a high priority for you. To ensure that you clinch an affordable quote and coverage that you feel comfortable with, take your time comparing different companies and look closely at the details before making your final choice.