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DGIA, LLC

1 Chisholm Trail Rd., Bldg. 1, Ste. 450
Round Rock, TX 78681

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How does classic car insurance differ from regular auto insurance?

A classic car is typically at least 20 years old, though some definitions extend this to 25 years or more. The Classic Car Club of America has a more specific definition, considering a classic car to be one produced between 1915 and 1948. What sets classic cars apart is their status as collectibles, which means the insurance required to protect them differs significantly from standard auto insurance. At DGIA LLC Insurance Agency, we serve clients in Round Rock, TX, and the surrounding areas. Many of our clients opt for classic car insurance, as collecting modern classics, vintage cars, and antique cars is a popular hobby in our region.

Considerations When Insuring a Classic Car in Round Rock, TX

When insuring a classic car, there are several factors to keep in mind:

  • Age: While a car must be at least 20 years old (or 25 years, depending on the definition), it also needs to be considered special to qualify as a classic car.
  • Condition: Classic cars often stand out due to their mint condition, which may result from meticulous storage and maintenance or extensive restoration using original equipment manufacturer (OEM) parts.
  • Annual Mileage Limit: Some insurance carriers impose restrictions on the number of miles a classic car can be driven each year.
  • Event Restrictions: There may be limitations on the types of public events where the vehicle can be displayed, such as parades or sports events.
  • Value: To establish a classic car’s value, most insurance companies require an appraisal from a qualified appraiser.

Work with our agents at DGIA LLC Insurance Agency to learn more and get a quote for classic car insurance. Contact us today to protect your treasured vehicle.

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