Classic car insurance helps provide financial protection for owners of antique and classic cars. According to the Insurance Information Institute (III), a classic car is at least 25 years old. It may be a hot rod, luxury vehicle, classic truck, exotic car, muscle car or vintage military vehicle. 

To get a quote for classic auto insurance, contact Insurance Plus, located in Aberdeen and serving all of South Dakota. 

What Does Classic Auto Insurance Cover? 
A classic car insurance policy insures your vehicle up to a specific value. It may include specialized repair or restoration coverage, special towing and spare parts. Classic cars may appreciate over time, so adjust your coverage as necessary. 

Classic auto insurance provides the same coverage as other auto insurance policies, including property damage and bodily injury liability. 

If your vehicle is old enough to qualify as a classic car, it may still have to meet other requirements from your insurer. A classic car is not typically your daily driver. There may be mileage restrictions, and some insurers may require you to own a vehicle for daily use. 

When you aren't driving your classic car, you must provide secure storage in a locked garage or enclosed structure. 

If you plan to take your classic vehicle to car shows or other events, make sure your insurer doesn't have restrictions on how far you can travel with the vehicle. 

How Does Classic Auto Insurance Work? 
Classic auto insurance works much like any other insurance policy. The vehicle owner pays insurance premiums, and if there's a damage-causing accident or incident, they make a claim. The insurance company helps pay to repair or replace the vehicle according to the insurance policy's terms. 

Talk with your agent about coverage for your classic car. They can help you evaluate your situation and get appropriate insurance coverage. 

Who Needs Classic Auto Insurance? 
If you plan to drive your classic car on roadways, your auto insurance policy must meet your state's minimum liability requirements. 

Many classic car owners choose to insure their vehicles with comprehensive and collision coverage, which helps repair or replace them after an accident. 

Contact Us 
When it's time to insure your classic car, contact the experts at Insurance Plus. We can help you understand your auto insurance options and get a quote.