Colorado motorists with collectible vintage or antique vehicles may benefit from a special type of auto policy known as classic car insurance. It covers the vehicle in addition to providing liability protection. However, there is usually a limit on how many miles you can drive.

Mileage Limits

Every insurance carrier is different. Some classic car policies cap yearly travel at 2,500 or 5,000 miles, but certain insurers will allow you to drive up to 7,500 or even 10,000 miles. For example, you’ll travel 3,380 miles yearly if you drive an average of 65 miles weekly.

Driving Purposes

Many insurers also have rules about using a vintage vehicle. They probably won’t allow you to deliver pizza or commute to the office in this vehicle. Some carriers will expect you to own a second non-classic car and/or a garage for storage.

An Alternative

If you want to drive your antique vehicle daily or travel very long distances, you can still insure your car with a standard auto policy. However, it would be best if you took the time to carefully examine the pros and cons of this option.

Regular car insurance may not cover the full value of your automobile. It’s designed to protect cars that depreciate over time, such as new and used vehicles manufactured within the last 20 years. You might also have to use aftermarket parts rather than original units.

When you need to insure a classic auto, turn to the friendly, knowledgeable experts at CO Insurance Specialist in Wheat Ridge, CO. Our local, independent agency benefits from more than three decades of experience in this industry. We’ll help you find the right policy for your specific vehicle and driving habits. To get started, please call the CO Insurance Specialist at 720-638-0850.