Protect your classic car with coverage from MIAFS
We know that collector cars are more than just a vehicle. They’re passion projects, cherished heirlooms and investments. That’s why you’ll want quality car insurance coverage to help pay for repairs when you need them. This is especially true because replacement parts can be costly and hard to find.
Protect your beloved classic with MIAFS
MIAFS will help you find the classic car policy that protects your classic at a great rate. Get a quote online or call for advice.
- UNDERSTANDING CLASSIC CAR INSURANCE -
Classic Car Insurance
Generally, to get insurance for classic, collector, vintage, and antique cars or trucks, your vehicle needs to be parked in a garage, used as an extra car and not your daily vehicle, and kept in good working condition. If your car doesn’t qualify for classic auto insurance, a standard auto insurance policy may be a better option for you.
What makes a car a classic?
The exact definition may vary among classic car insurance companies, a common definition is "fun-to-drive" vehicles that maintain or appreciate in value and are used primarily for pleasure. A few examples:
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1965 Ford Mustang
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1975 Volkswagen Beetle
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1980 Chevrolet Corvette
Where do I have to store my classic car?
In order to qualify for classic car insurance, you must have adequate storage available. An enclosed structure such as a private garage or storage unit is preferred, but carports, driveways, and other storage areas may also be acceptable.
How often can I use my classic car?
Your classic car cannot be your everyday car. It should be for occasional use only. Taking your car out for pleasure driving, exhibitions, tours, and similar trips is acceptable.
Does my driving record impact my classic car insurance?
Yes. You may not qualify for classic auto insurance if you’ve had excessive speeding violations, reckless driving, and other serious infractions in the last three years.
How does classic car insurance differ from a standard auto policy?
Agreed Value
A classic car insurer works with the vehicle's owner to assign the vehicle an "agreed value" at the time of writing the policy. That number may take into consideration current market value, condition and improvements, cost of replacement and special-order parts, and more. It's usually a much higher valuation than a traditional auto insurer would give the car based simply on age and mileage. This type of coverage helps ensure you'll be compensated for the true cost to repair or replace your collector vehicle.
Usage Restrictions
The more your classic car is on the road, the more chance there is of it being in an expensive accident. Some classic car policies have strict mileage limitations; others are more flexible. There may be mileage limits or coverage only for certain types of driving like pleasure usage. So, you may not be able to use the vehicle for daily commuting. Be sure to ask about usage options for your coverage.
Safe Storage
Vehicle storage requirements vary by company and location. No matter the requirements, making sure your vehicle is protected in adequate storage conditions is recommended.
Vehicle Condition
If you're restoring a "project car," you may be able to add an endorsement to your classic car policy to help protect both the car and your tools.
With MIAFS, you have options
As your Independent Insurance Agency, we have connections with some of the top rated insurance companies which allows us to find competitive rates and the right coverage for your insurance needs.
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We're not bound to a single insurance carrier, we represent you and your specific needs.
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Our team of in-house specialists are experts at helping our clients find the right insurance coverage. They’ll help you get a quote with the best coverage for your specific needs..
