Now that summer is in full swing, classic car owners and auto enthusiasts alike are getting ready for car show season. If you are preparing to show your classic car, make sure it’s protected first. With a vintage vehicle, a standard auto insurance policy won’t suffice. Instead, you need a policy specifically designed for classic cars. Below is a list of tips to insure your vintage vehicle.

What to Know About Classic Car Coverage

Insurance Company Requirements 

Before you purchase classic car insurance, you should make sure your vehicle meets the conditions to qualify for specialty coverage. Most insurers require that a car is at least 25 years old, in good shape with no exterior damage, and stored out of the elements in a locked structure. Also, the car can only be used on a limited basis, not as a primary vehicle, and your driving history must be relatively clean. 

How Classic Car Insurance Differs From Traditional Auto Insurance Policies 

The coverage in traditional auto insurance is similar to what you get with a classic car policy, but there are some significant differences to note. Vintage vehicles hold their value, so if you file a claim, your payout won’t reflect depreciated value in the same way a regular policy will. Classic car coverage also allows you to use original replacement parts for repairs, while traditional insurance generally requires the use of aftermarket parts.

Finding the right auto insurance for a classic car can be challenging, but the agents at Simmons Insurance Group of Southeastern Ohio can customize a policy that is just as unique as your vehicle. For nearly 50 years, the family-owned and -operated agency has proudly provided residents throughout the Coolville, Belpre, Athens, Marietta, Racine, and Pomeroy communities with high-quality and affordable coverage solutions, and they will make sure your classic car is properly protected. Call (740) 667-3111 to request a quote, or visit them online to learn more about the products they offer.