When you’re passionate about your vehicle, protecting it with the right insurance makes all the difference. Premier Insurance Agency in Detroit, MI, understands that classic car insurance isn’t one-size-fits-all. It’s designed for vehicles that are special, valuable, and treated with care. However, before you can get the coverage, your car must meet a few key requirements.
Age and Historical Value
The most common starting point is age. A vehicle is typically considered a classic if it’s at least 20 to 25 years old. That said, some exceptions exist. Cars that are rare, collectible, or have historical significance might qualify even if they’re slightly newer. It’s not just about how long the vehicle has been around, but how well it represents a certain era or style.
Condition and Use
Your vehicle should be in good condition or actively being restored. Classic car insurance is not meant for your daily driver. Most insurers want to see that the car is used only occasionally, whether it’s for weekend drives, shows, or special events. You’ll also need to have a regular-use vehicle for everyday driving.
Storage Requirements
To qualify, your car must be stored in a safe, enclosed space like a garage or storage unit. This lowers the risk of damage and theft, and it shows insurers that you’re serious about protecting your investment in your classic automobile.
Get the Right Coverage
If you think your vehicle may qualify, reach out to Premier Insurance Agency in Detroit, MI. Their team can help you understand the requirements and get the right insurance policy for your classic car.
