Why Your Vintage Car Deserves More Than Just Basic Insurance

There’s something special about owning a vintage or collector car — the kind that turns heads, tells stories, and takes Sunday drives to a whole new level. But what most classic car owners don’t realize is that standard auto insurance often doesn’t fully protect these high-value, unique vehicles.

​Whether you’re driving a 1969 Mustang, a 1970s Land Cruiser, or a pristine ’80s Porsche, here’s why you need specialty classic car coverage — and what to look for.

1. Agreed Value vs. Actual Cash Value
A standard auto policy pays out based on your car’s depreciated value. With a classic car policy, you and your insurer agree upfront on what your car is worth. That means no surprises if it’s ever totaled.

2. Mileage Limits and Storage Requirements
Classic car insurance often comes with perks like lower premiums, but it may require garage storage and limit your mileage. If you’re only taking it to shows or weekend drives, this could work in your favor.

3. Spare Parts and Restoration Costs
Collector vehicles are harder to repair — and more expensive. Specialty insurance can cover hard-to-find parts, restoration costs, and even custom modifications.

4. Coverage During Events and Transport
Planning to show your car at a local expo or cruise night? Specialty insurance can protect your car during transport or display, where risks (and attention) are higher.

5. Not Just for ‘Old Cars’
Have a rare 1990s sports car? Or a custom-built overlander? You may still qualify for classic or collector coverage — even if your car isn’t technically “vintage.”

Bottom Line:
Don’t trust a one-size-fits-all policy for your one-of-a-kind car. Let our team help you find coverage that respects your investment — and gives you peace of mind on every drive.