If you own a vintage or antique vehicle in Wheat Ridge, CO, you’ll undoubtedly want to preserve your investment for years to come. Classic car insurance can help protect your collectible against mishaps that can cause damage or loss. At CO Insurance Specialist, we can help you determine if your older vehicle qualifies for classic car insurance and help you select the coverage you need.

Qualifications for Classic Car Insurance

Although there’s some variance in how insurers classify classic vehicles, there are general guidelines to determine if an older vehicle falls into this category. These guidelines include:

• Age: Vehicles must be older than 15 years (in some cases, older than 25 years)
• Condition: Vehicles must be maintained in good physical and working condition
• Vehicles must have historical value

Hot rods, muscle cars, rare sports vehicles, vintage military cars, and antiques are some types of older vehicles that may fall into the classic category.

In order to insure your vehicle with classic car insurance, you’ll need to meet your insurer’s restrictions for storing, caring for, and driving your classic vehicle.

Benefits of Classic Car Insurance

Classic car insurance offers greater protection for your collectible than traditional auto insurance. Instead of covering your classic for its market value, classic car insurance protects it for its “agreed upon” value. After having your vehicle professionally appraised, you and your insurer will agree upon its value. This is the amount your vehicle will be insured for in the event of damage or loss.

Classic policies in Wheat Ridge, CO also offer conventional auto coverage to include liability, uninsured motorists and roadside assist to protect your classic when it’s taken out on the road, giving you the best of both worlds in protecting your investment.

To protect your prized collectible with classic car insurance, contact your CO Insurance Specialist today.