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Classic Car Insurance

Get classic car insurance at a lower premium than standard auto insurance.

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Classic Car Insurance Policy

Collector car insurance policy

Just like you, we’re classic car lovers too. This is why we partnered with Hagerty®, Safeco, and other top-tier classic car carriers. We wouldn’t insure our vintage rides with just any insurance company, so we wouldn’t expect you to either. Whether you’re you have a daily driver or a show car, we can get you covered. Get a quote for classic car insurance now and get covered.

Classic car coverage is less expensive than regular auto insurance

Classic car insurance isn’t just any old car insurance. Just like your classic car isn’t just your average daily driver. A classic car policy is a much different policy that’s designed specifically for classic cars just like yours. It will include more specialized coverages. If done right, a classic or collector car insurance policy will actually cost less than your typical auto insurance policy.

Is your car a classic?

Need Classic Car Insurance
What characteristics make my car a classic?

This is one of those, “you know it when you see it” responses. But it’s true. That said, each carrier will define a classic car differently, but we like Hagarty’s definition the best. It’s a classic because it’s “fun to drive,” used for pleasure and maintained or appreciated. Here are a few “classic” examples:

  • 1965 Ford Mustang
  • 1975 Volkswagen Beetle
  • 1980 Chevrolet Corvette

If your car isn’t a classic yet you can still insure it on a traditional auto insurance policy.

There are discounts on classic car policies

When you quote classic car insurance, you can get a discount for adding two or more classic cars to your policy. More than that, with Hagerty, you can also join the Hagerty Drivers Club, where you can get discounts for parts, track events, driving schools, and much more. If you want to know more about the Hagarty Drivers Club or any of our partners, you can speak with an insurance agent today.

What are the features of the classic car policy?

Just like your regular car insurance, you’ll get liability coverage, uninsured motorist coverage, and the option for comprehensive and collision coverage. But you can also choose more protection for your classic ride. Just get a classic car quote today and explore all your options. Here are a few features that come with these types of specialized policies.

Guaranteed Value Coverage

If you do have a covered total loss, you’ll get every single cent of your car’s insured value†(See Disclosure) without depreciation. No messing around. No hassle. When you get your collector car insurance quote, just provide your classic’s value, and the insurance company will agree with you on a total payout number.

Original Replacement Parts

If you have a claim, most companies offer stock original replacement parts when possible, and some have specialists on hand to help hunt down rare or hard-to-find parts. In some instances, original replacement parts coverage is automatically included – at no extra cost.

Flexible Coverage

A good collector car insurance policy will let you enjoy your classic the way you want. That’s why our partners generally allow you the freedom to take your ride to collector car club events and functions, exhibitions, tours, and even occasional pleasure driving.

Get a Classic Car Quote

You provide us your information once and we’ll shop the
market for you. It’s fast, safe and secure.

Call 877-334-7646 to speak with an insurance agent.

Got classic car policy questions?

How old does a car have to be before it’s considered classic?

The typical classic car is over 25 years old. However, there really is no defined age that makes a car a classic. However, some states have specific requirements for defining a vehicle as a classic, which typically considers a vehicle’s age, weight, use, or build characteristics.

Are there rules on how I store my classic car?

To qualify for classic car coverage, you should have adequate storage facilities for your vehicle. Your private garage is typically sufficient. In fact, any enclosed structure or storage unit is preferred. If you have to store your vehicle in a carport, on your driveway it may be deemed unacceptable.

How often can I use my classic car?

Your classic car cannot be your daily driver. A classic car should only be for occasional use. Acceptable uses for your classic car are considered pleasure driving, exhibitions, and driving tours.

Does my driving record impact my classic car policy premium?

Yes. In many states, you may not qualify for classic auto insurance if you’ve had excessive speeding violations, reckless driving, and other serious infractions in the last three years.

Do I have to have another car insured to get a classic policy?

No, you will not need to have other insurance with IronPoint or your classic car insurance carrier. However, you will need to properly maintain an insurance policy on your daily driving vehicle under your state’s financial responsibility laws. This type of insurance would be purchased in addition to your classic car insurance policy.