Every year, we receive calls from people asking about classic or collectible car insurance.
In many cases, the vehicle isn’t actually collectible—it’s simply older and not driven very often.
People often tell us:
- “My car is old, so I should put it on a classic policy.”
- “I don’t drive it much.”
- “A friend told me it would be cheaper.”
- In some unfortunate cases, another agent even suggested it.
While classic car insurance can be an excellent option when used correctly, it is often misunderstood—and sometimes applied in ways that can create serious coverage gaps.
Why Classic Car Insurance Is Less Expensive
Classic or collectible auto insurance typically costs less than a standard auto policy because it is written for lower-risk usage.
These policies are generally intended for vehicles that:
- Are not used as daily drivers
- Are driven infrequently
- Are properly stored
- Are owned by someone who has another primary vehicle
Because the insurance company expects very limited use, the premium is lower.
However, that lower cost comes with strict eligibility and usage rules.
The Critical Difference: Policy Language
An auto insurance policy is a legal contract between you and the insurance company.
Classic and collectible car policies often contain language stating that coverage may not apply if:
- The vehicle is used as your primary means of transportation
- The vehicle is driven while your primary vehicle is in the shop or otherwise unavailable
- The vehicle is used for regular errands, commuting, or daily activities
These exclusions are often written directly into the policy—even if they were never clearly explained at the time of purchase.
That means a claim could be denied based solely on how the vehicle was being used at the time of the loss.
“But My Agent Said It Was Fine…”
If you are advised to insure your primary vehicle on a classic or collectible policy, it’s important to ask some direct questions:
- Does this policy exclude coverage if this vehicle is my primary transportation?
- Does it exclude coverage if I’m using it because my other vehicle is out of service?
- Can you show me where this is addressed in the policy itself?
If you are told there are no exclusions, we strongly recommend:
- Getting that response in writing
- Requesting a copy of the actual policy
- Reviewing the usage and eligibility sections yourself
Claims are settled based on what the policy says, not what was discussed verbally.
How Our Agency Can Help
Our approach is simple: education first.
We are always happy to:
- Review your current auto policy
- Determine whether you truly qualify for classic car insurance
- Explain the differences between standard auto and collectible policies
- Help you avoid coverage gaps that could cost far more than the premium savings
If you would like help reviewing your policy—or just want a second set of eyes—we would be glad to help you determine whether a classic car policy is truly the right fit for your situation.
Insurance should protect you when it matters most—not surprise you after a loss.
