You love taking your classic car for the occasional weekend romp or showing it off at nearby car shows. However, you may worry about whether you have sufficient insurance to cover your expenses in the event of damage or loss. Fortunately, the insurance agents at Marla Williams Agency help drivers in Kansas determine whether their car qualifies for classic car insurance and the type of protection needed to give you peace of mind.
Is Your Car a Classic Car?
Classic cars include muscle cars and hot rods. These cars have different insurance requirements than the ones you drive every day. Although there are various definitions of what makes a car “classic,” the one that matters is what your insurance company considers classic.
In general, vehicles eligible for classic car insurance include antique cars 25 to 30 years old (or older), hotrods (“souped” up vehicles), luxury vehicles, classic trucks, and muscle cars. Some insurers also cover classic motorcycles, antique tractors, and military vehicles.
How to Qualify for Classic Car Coverage
Meeting the above factors can help you qualify for specialized insurance. Since classic vehicles cost more to repair or replace, insurance providers have additional requirements regarding usage and storage.
You cannot use your classic car for everyday use. Most policies include mileage limits. When you attend car shows and auto club events, many classic car policies cover your travel back and forth as an exception to this rule.
You also need to show that you store your vehicle in a protected environment, such as an enclosed, locked, and private storage unit or garage. In addition, if you have a good driving record, you have an excellent chance of obtaining classic car insurance.
Classic Car Insurance in Kansas
While not all vehicles qualify for vintage car insurance, yours might. Contact Marla Williams Agency to speak with a knowledgeable representative. We want to help you understand and procure classic car insurance so that you don’t miss a single car show.