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You don’t want to take any chance with your auto policy when it comes to classic cars. Classic car insurance differs from a standard auto insurance policy in many ways. As a classic car owner, you probably have automobilia, car restorations, and unique parts and tools that you want to ensure are sufficiently covered. Whether you have a hot rod, antique, muscle car, custom vehicle, or sports car, Alliance Insurance of the Rockies will provide a classic car insurance policy that protects you and your vehicles.

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Is Your Insurance Protecting You?

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Classic car insurance is different than a standard auto policy. If a car’s value is more than what it originally sold for and is between 10 and 25 years old or more, it’s most likely considered a classic car or collectible car. A classic car insurance policy and a standard auto policy have some similarities, but critical differences distinguish the two.

A typical car usually depreciates as it gets older; however, a classic vehicle becomes more valuable with age. As your classic vehicle appreciates in value, your classic car insurance policy allows you to adjust coverage to match your car’s worth. A classic car insurance policy will generally include the typical benefits of regular car insurance coverage. Still, you can also choose a policy catered to your needs, such as coverage for vehicles in car shows.


If you’re going to invest in a classic car, you want to make sure that you have a comprehensive insurance policy to protect it. Depending on the type of car you have and your unique needs, we’ll help you pick a policy that works for you and gives you peace of mind.

Agreed Value Coverage

Unlike standard vehicles, classic cars appreciate in value over time, so it's necessary to have a policy that adjusts for any increase in value. An agreed value policy will cover the initial value of your vehicle plus appreciation. You may have to show proof of restorations, upgrades, what you paid for the car, and comparative vehicle prices to get your desired coverage.

Restoration Coverage

If you're restoring a car, then our insurance brokers can match you with a policy to fit your needs. Some insurance companies provide policies for cars undergoing restoration that cover your tools and automatically increases every quarter. However, to be eligible for restoration coverage, you need to be restoring a vehicle with the original design and parts.

Spare Parts Coverage

If you collect vintage vehicles, you most likely have many replacement parts for future constructions. A spare parts coverage policy will protect you if something happens to your specialty equipment or replacement parts. If you want to protect the spare parts you always have on hand, Alliance Insurance of the Rockies can find you a spare parts coverage policy.

Cherished Salvage Coverage

Every classic car owner's nightmare is their car being totaled and ruined. Luckily, cherished salvage coverage policies allow car owners to keep their vehicles and still get an insurance payout. However, the damage must be caused by something already covered by their policy, such as a flood or collision. Then, the only thing they'll have to pay is the deductible.

Disabled Vehicle Coverage

This type of insurance policy provides coverage for roadside assistance, such as towing fees and fuel delivery. Some insurance companies even offer transportation, lodging, and food coverage if your car breaks down while you're a certain distance from home. At most insurance companies, this type of coverage is called trip interruption insurance.

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As you probably know, collector cars, antique cars, vintage cars, and other classic automobiles gain value over time, so you want to make sure you protect your investment as much as possible. Some benefits of purchasing a classic car insurance policy include:

  1. You can receive the total replacement value of your vehicle if it’s stolen or totaled.
  2. You can get special transportation services for your car if towing is needed.
  3. Accessible coverage for your restoration tools and automobilia.
  4. Your insurer may provide you with a higher reimbursement if you’re in a crash and your collectible vehicle sustains damage.


Because a collector car insurance policy has unique benefits, there are specific requirements you need to meet to qualify for this kind of coverage. In addition to the type of vehicle you have, you need to meet the following requirements. Classic car policies include coverage for but are not limited to:


Most insurance companies will require your car to be between 10 and 20 years old, if not more. The one exception to this requirement is that newer collector cars may still be eligible for collector car insurance.

Amount Of Use

Most insurers will place an annual mileage limit on your car. Some insurers will even require you to own a primary vehicle for regular use to make sure you're not a daily driver of your classic car.

Car Condition

Another factor your insurer will consider is the condition of your car. Before an insurance company provides you coverage, they want to ensure that you're taking proper care of your vehicles.


Most auto insurance companies require you to store your vehicles in a locked, enclosed structure. The type of car storage you have most likely will help determine how much you pay for insurance coverage.


Collector car insurance, or classic car insurance, is designed for the unique needs of owning a classic car. Some of the perks that classic car insurance policies have that differ from regular auto insurance coverage may include spare parts coverage, agreed value coverage, and special towing services.

Every policy is different, but most insurance agents won’t consider your vehicle a classic until it’s at least 10 years old. However, this doesn’t mean that it’s automatically a classic vehicle if you own a ten-year-old car. Remember, in addition to the age of your vehicle, there are other requirements you’ll need to meet.

Similar to your typical auto insurance policies, your driving record affects the cost of your classic car insurance. For instance, if you have a poor driving record, an agent may consider you a high-risk driver, and therefore your policy would be more expensive.

While not previously possible, some insurance companies will now allow you to bundle these two types of automobile policies. If this is something that interests you, an Alliance Insurance of the Rockies agent can find an insurance company that offers this option.


Request A No-Obligation Classic Car Insurance Quote

Whether you own a vintage car or collect classic cars, the last thing you want to worry about is not having adequate coverage for your vehicles. At Alliance Insurance of the Rockies, we’ll discuss your needs in-depth and present you with efficient protection options. Our priority is to make sure you and your car have the amount of protection you need. So please fill out the form, and one of our insurance agents will be in touch with you soon!