Classic Car Insurance in Blythewood, SC
Cruising in your classic vehicle can make for an enjoyable and memorable experience. However, owning and operating such valuable vehicles may also represent significant financial risks. Accidents can happen even if you do not regularly drive your classic car but prefer to keep it safely stored away as you admire or work on it. With this in mind, classic car insurance should be a priority.
What Is Classic Car Insurance? 
Classic car insurance is a specialized form of coverage tailored toward the needs of antique, vintage and unique motor vehicles. It may include greater financial protections and higher coverage limits, albeit in exchange for adhering to additional requirements, such as usage and storage location mandates. Much like standard auto policies and many other types of insurance, the exact coverage details for a classic vehicle can vary significantly depending on your needs, preferences, circumstances and carrier.
How Is This Coverage Different From Regular Car Insurance?
Classic car insurance policies may include many of the same facets as standard auto insurance. In many cases, an adequate policy may consist of the following:
- Third-party liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
However, in addition to the aforementioned common elements of auto insurance, classic car policies may also offer the following exclusive options:
- Agreed value—This can help you avoid any depreciation in your vehicle’s value, providing full reimbursement for your classic car.
- Custom parts—This may help you access specialty shops and parts explicitly suited for your vehicle.
How Much Is My Coverage?
Rates for classic car insurance may vary based on several criteria, such as the following:
- Location
- Vehicle specifications
- Annual mileage
- Prior claims history
- Limits
- Deductible
What Types of Cars Qualify for These Policies?
Eligibility for classic car insurance may vary by carrier, but typically, such determinations are based on the following factors:
- Usage—Vehicles used regularly or driven over a certain number of miles annually may not be eligible for coverage.
- Storage—Some policies may require storing your vehicle in particular locations, such as locked or private garages.
- Driving records—Motorists with a history of serious infractions may not be eligible for coverage.
Learn More
Contact Chichester Insurance Agency today to learn more about coverage options for classic cars.