What Are Classic Car Insurance Requirements?

Sometimes a car is more than just a vehicle. If you own a car in Huntington Beach, CA that you only drive on special occasions or show off at car shows, you may qualify for classic car insurance. Classic car insurance provides specialized unique perks and coverage explicitly catered to your classic car needs that traditional insurance doesn’t offer.  However, not all cars or drivers meet the requirements.

Eligibility for classic car insurance

Unlike traditional car insurance, classic car insurance is not designed for cars driven on an everyday basis like minivans, SUVs, and pickup trucks. Instead, insurers require that classic cars be only used on special occasions and serve more as a collector’s item than a vehicle.

For a vehicle to qualify for classic car insurance, it must either be a modern muscle car, a uniquely modified vehicle, exotic or at least 25 years old. It must also be in good working condition with a securely closed parking spot such as a garage or other approved structure. Insurers will also make sure the classic car is not used for racing and will usually set a cap on how many miles per year it can be driven.

Driver eligibility for classic car insurance

To qualify for classic car insurance, drivers must also reach certain criteria that differs from traditional car insurance. Drivers must be at least 25 years of age with five to ten years of driving experience and a clean driving record. Drivers must also own another insured vehicle for daily commuting to ensure your classic car is not used every day.

If you’re in the Huntington Beach, CA, area, reach out to Western Republic Insurance Services to see if your car meets the requirements for classic car insurance.