Classic Car Insurance

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Classic auto insurance issued by Hoover Insurance NW

Insurance > Types of Insurance Products > Classic & Collector Auto Insurance

Specialized care for your prized possession

Your vintage vehicle is more than just a mode of transportation; it's a passion project. Whether you own a meticulously restored muscle car or an elegant antique, safeguarding your investment requires specialized coverage. Classic and collector car insurance is specifically tailored to protect the unique value and needs of these extraordinary vehicles.

Qualifying for classic car insurance

To qualify for classic car insurance, there are a few criteria you might need to meet:

Limited use

You don't commute in your classic car or use it for errands. Your insurer may impose mileage limits or ask you to prove you have an everyday car.

Car shows and meetings

You can travel to car shows and auto club meetups in your classic, but some insurers add conditions or provide specialized coverage.

Secure storage

You keep your classic car in a secure, locked garage or storage unit.

A clean driving record

Having serious accidents or violations on your driving record might disqualify you from coverage for your classic car.

What does classic car insurance cover?

Choose the precise coverage you want for a car that needs special care and isn't easily replaced. Specialized classic car coverages can help in situations that only a classic and collectible car owner will encounter:

Coverage	Definition
Comprehensive coverage	If your classic car is damaged by something other than a collision or if it's stolen, comprehensive coverage can help pay for the loss.
Collision coverage	If your car is damaged in a crash, collision coverage can help pay for repair costs. If it's totaled, classic cars can qualify for agreed value coverage.
Liability coverage	If you're responsible for a crash and other people are hurt or their property is damaged, liability coverage can help with repair and medical costs.
Agreed value coverage	This coverage allows you and your insurer to agree on the value of your special car. If it's totaled or stolen, it can pay you the full stated value with no depreciation.
Travel	Say you want to take your car to a show in Europe, but standard auto insurance stops at the U.S. border. Classic car coverage typically lets you roam.
Original equipment/parts	When your classic needs repairs, specialized coverage should let you use hard-to-find, sometimes expensive parts made by your car's original manufacturer.
No attendance	What if you're at a show with your classic, but you want to leave its side to check out other cars. If you find it damaged when you get back, no attendance coverage can help.
Towing	Taking a collectible vehicle out on the road comes with the added risk of a minor breakdown. Classic car towing coverage can help if your classic needs a flatbed or other special towing service.