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September 20, 2023

Classic Car Insurance

Auto InsuranceOwning a classic car is a nod to nostalgia, representing an era of timeless beauty and craftsmanship. Yet, safeguarding such automotive treasures is vital. Classic car insurance steps in to provide financial protection, ensuring you’re covered for unforeseen events.

What Does Classic Car Insurance Cover?

Classic car insurance offers additional features beyond standard auto insurance:

  1. Set value coverage: Your classic car’s cash value remains consistent over time.
  2. Custom maintenance coverage: Access specialty services and parts for your vehicle.
  3. Transportation assistance: Get roadside aid or specialized towing, such as for auto shows.

Are There Specific Requirements?

Classic car insurance has specific criteria:

  1. Age: Typically, vehicles must be at least 15 or 20 years old.
  2. Frequency of use: Cars shouldn’t be daily transportation.
  3. Storage: Secure, climate-controlled storage like a garage may be required.
  4. Appreciation: Insurers may expect your car to gain value.
  5. Location restrictions: Some policies restrict usage, like on gravel roads.

What Factors Influence Rates?

Several factors affect classic car insurance rates:

  1. Vehicle value: Rarity, condition, and market demand determine value.
  2. Driver details: Age and driving record impact costs.
  3. Mileage: Lower mileage often means lower premiums.
  4. Location: Higher-risk areas lead to higher premiums.
  5. Safety measures: Security devices can reduce costs.
  6. Prior claims: History of claims may increase rates.
  7. Policy details: Deductibles and coverage limits affect costs.

How Can I Get Quotes?

For specialized classic car insurance, contact Northwest Classic Insurance. With nearly 30 years of experience, their dedicated team ensures optimal financial security for your prized automobiles. Reach out today for personalized assistance and quotes.


This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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