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America's Choice Insurance Partners

38500 Assembly Park Dr
Wixom, MI 48393

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Classic Car Insurance

Why Do You Need Classic Car Insurance?

Classic car insurance is not the same as just insuring an average car. Even though your classic car is not your primary driving vehicle, it still needs to be insured if it’s going to be on the road. This will also help protect your investment. Liability coverage is still required for your classic car, and you will want to make sure you have good comprehensive and collision policies in order to protect your vehicle.

What You Pay Attention to When Purchasing Insurance

There is certain eligibility for classic car insurance, and the car can’t be used as a primary driving vehicle. It’s important to note that while most cars depreciate in value, classic cars appreciate in value. This is especially true if you are putting in work to restore it. When purchasing insurance, look at the agreed value, which is the value the provider will pay you in the event of a covered loss. This coverage is better than actual cash value. Speak with an agent at America's Choice Insurance Partners to make sure your classic car has adequate coverage with an agreed value.

You also want to look for a generous mileage policy, especially if you are going to be taking your classic car to shows. Not every company has a mileage limit, but many classic vehicles shouldn’t be driven more than 5,000 miles in a year so they can retain value. Roadside assistance is a great thing to have with classic cars, and you want to ensure that they will use a flatbed to take your car to the nearest facility. Some insurers will not cover a claim if the classic car is driven to work, shops, or other destinations, and the policy can only be used for participating in a show, parade, or other events. Look at additional types of coverage, such as coverage for spare parts.

Contact America's Choice Insurance Partners to get a quote on classic car insurance. Our agents are ready to discuss your vehicle and how we can get you an adequate policy.


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