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Frequently Asked Questions

Classic Car Insurance in CA

How Do You Value a Classic Car?

The value is based on what a buyer would be willing to pay. This differs from regular cars in that the value of a normal car is based on how much it would cost to repair it, compared to other similar vehicles.

Is There an Age Limit on Classic Car Insurance in California?

Most insurers want the owner/driver to be at least 25 years old and have a minimum of five years driving experience.

Are There Special Vehicle Storage Requirements to be Eligible for Vintage Car Coverage in CA?

Typically, your automobile should have adequate protection and storage when not in use. This includes private and enclosed garage, rental or storage / garaging unit.  Carports or other storage types may also be eligible.

How Often Can I Drive and Still be Covered Under a Classic Car Policy?

Generally a vehicle should be driven for hobby-related activities and occasional pleasure use.  The vehicle should not be used for business or daily transportation. In some cases, you can choose an annual mileage plan by working with your agent.

How Does My Driving Record Affect My Eligibility for Insurance in California?

You may not qualify if you’ve had multiple accidents or driving violations on your driving record. You may be able to secure a classic car policy, but at a higher premium.

Is There a Difference Between Classic Car and Collector Auto Coverage?

The car insurance for the two types is very similar. The coverage for collector cars may extend to other items such as towing, spare parts, disaster relocation coverage.

Classic cars typically refer to vehicles based on the age of the vehicle. Collector cars includes classic / antique vehicles, in addition to modern classics, limited production vehicles, exotic vehicles, historical vehicles, resto-mods, hot rods, rat rods, street rods and other modified vehicles.