With their gleaming chrome, whitewall tires, and stunning paint jobs, classic cars always stand out from the rest. Because owners take pride in their restored beauties, protecting them is a top priority. That’s when specialized auto insurance can provide reliable coverage against the unexpected. If you’re a vintage vehicle buff, here’s a helpful guide on what you need to know about securing customized insurance.

What to Know About Classic Auto Insurance

Qualification Requirements

There are certain conditions that a car or truck must meet to be considered “classic.” While the qualifications vary with each auto insurance provider, generally, the vehicle must be at least 24 years old. Most insurers also require the vehicle to be in excellent, restored condition. This means efforts were made to refurbish and preserve the interior and exterior. Other qualifications include the classic car being driven on a limited basis and stored in a protective space.

Coverage Options

Most classic cars have the same type of auto insurance for newer vehicles. These include comprehensive and collision, liability, and protection against uninsured and under-insured drivers. Some policies also cover expenses for spare parts. One of the key distinctions for classic cars is the agreed-upon value. If the vehicle is completely totaled in an accident, the insurance provider will pay the value mutually agreed on. Certain conditions apply such as the car being properly maintained and having no prior damage.

Why Classic Cars Need Special Coverage

The painstaking detailing that goes into restoring classic cars requires a significant amount of time and funds. Protecting these beauties from damage is worth the price of reliable auto insurance. If the vehicle is involved in an accident, the costs to replace damaged parts can be substantial. Instead of paying out of pocket for some of these hard-to-find components, insurance will pick up the tab.

Classic cars capture unforgettable moments in time. If you’re the owner of one or are in the early stages of restoration, let Charles Adams Insurance Agency help protect your customized vehicles. The Ashland, KY-based auto insurance provider specializes in coverage for a wide range of makes and models. As an independent agency, the firm works with the nation’s leading carriers to find the most affordable rates and quality coverage. To learn more and receive free insurance quotes, call (606) 325-9709. Visit the website for information on the complete suite of services for your home, business, loved ones, and pets.