Classic Car Insurance

These aren’t just cars – they’re your pride and joy, and we’ll take every precaution to help you protect them.

Do you have an old Corvette from 1957? What about an old Lamborghini or a hot rod you’ve restored over the years? Do you love taking your classic Dodge Charger out for a spin on a sunny day or showing it off at a car show?

Classic car insurance is insurance coverage needed by anyone who has a custom classic car or limited production vehicle that is worried about protecting it in the case of an accident. We understand that everything from the car body to the old parts inside the vehicle is vintage. Let us take the worry out of protecting your classic car so that you can get back to showing it at local meetups and cruising around the neighborhood.

How old does my classic automobile need to be to qualify for a classic car insurance policy?

Generally, your classic car will need to be around 25 years old or older. Various collector car insurance options are available depending on the age of your car, make, model, usage, and more. It’s best to speak with a Horton expert so you can have peace of mind knowing that you’ll be covered for total loss in the event of any damages to your vintage car.

What coverage does my classic car require?

Classic cars require similar coverage to any standard auto insurance policy at the least. Considerations include:

Liability Insurance – Coverage to protect a driver in the event that he or she is held liable for property damage, injuries to others, etc.
Medical coverage – Financial protection in the event that the driver and/or their occupants suffer injuries that require medical attention.
Collision coverage – A policy that will cover a driver from costs that result from an accident with another vehicle.
Comprehensive coverage – A policy that will cover a driver from the costs that result from an accident with an object other than a vehicle (may include animals, storm damage, falling objects, etc.)
Uninsured/Underinsured insurance – Coverage in the event that the opposing driver does not have auto insurance in place to cover you.

Owning an antique car or collector vehicle requires additional unique coverages to ensure your coverage goes beyond a typical car insurance policy. Your vehicle’s coverage should be tailored to fit its risks. For example, many classic autos require spare part coverage for spare parts unique to each classic car and hard to find. Speaking to a Horton expert can help you plan for unexpected mishaps.

Frequently Asked Questions for Classic Car Insurance

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To qualify for coverage, does my car require special storage?

To qualify for classic car insurance, your automobile must be stored safely when not in use. This can be in a garage, storage unit, or anywhere where your car is safe and protected.

Can I still drive my car?

Yes, as long as it’s not used as your primary daily driver vehicle. Regular use vehicles do not quality under classic car insurance policies. Generally, using your classic automobile for occasional leisure driving is fine. For more info on acceptable use policies, please speak with one of our agents.