How does classic car insurance differ from regular auto insurance?

Posted on June 30, 2025June 23, 2025 by admin

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.

What Makes a Car “A Classic?”

Posted on August 30, 2024August 28, 2024 by admin

Insuring Classic Cars: What You Need To Know

At DGIA LLC, we offer a multitude of vehicle insurance products in the Round Rock, TX area.

We specialize in protecting your investment in SUVs, motorcycles, RVs, and classic cars. Many people have a vague understanding of classic cars, often associating them with vehicles from an era long past.

Defining a Classic Car

While the term ‘classic car’ is widely used among car enthusiasts to impress various connotations, for registration and insurance purposes, a classic car is defined as a vehicle that is at least 20 years old but not more than 40 years old.

Among classic car aficionados, though, a classic car can be any vehicle that’s rare, unique, or produced in limited quantities.

Why Proper Insurance Matters for Classic Cars

Classic cars tend to be insured differently from daily-use vehicles, primarily because their values are often higher than standard "book value." Furthermore, classic cars are usually driven less frequently and may be stored securely or transported to special events and car shows via trailers. Ensuring these vehicles requires an approach that considers this scenario.

Get A Classic Car Insurance Quote from DGIA LLC

If you’re a resident of the Round Rock, TX area and own or are considering owning a classic car, DGIA LLC can help safeguard your investment. We understand the nuances of unique vehicles and collaborate with insurers who specialize in these cars. Contact us today to discuss your classic car, how you plan to use it, and how to best insure it. We are here to assist you.

Can Classic Car Insurance Cover Repairs and Upgrades?

Posted on October 20, 2023November 1, 2023 by admin

When you think of classic car insurance, you may think about how it can protect your classic or exotic vehicle from theft, liability, and other concerns that most classic car coverage addresses. Sometimes, when clients approach our office at DGIA LLC in Round Rock. TX, they have a limited view of how classic car insurance could help them protect their vehicle and cover expenses associated with owning a classic, luxury, or modified vehicle. While every insurance policy has terms and conditions that are unique to that coverage, you can ask our team about options for covering repairs and upgrades on your classic car.

Can Classic Car Insurance Cover Repairs and Upgrades?

Even though each policy has terms, limits, and conditions that vary, it’s safe to say that some classic car coverage could provide coverage for repairs and upgrades. Although your specific policy might not have this feature, there may be policies out there that could provide this coverage if you ask about it. A basic classic car policy probably won’t offer this type of coverage if it only offers the absolute bare minimum. Still, you may be able to tack on additional coverage to prepare for situations where you wouldn’t be able to cover a repair or upgrade.

Some policies might only cover repairs while others might only offer coverage for upgrades, so it’s important to communicate with the insurance agent or professional who works with you to determine where your policy’s limitations may lie. If parts were stolen, you might be eligible for coverage for replacements. Depending on your specific policy, you might also be able to cover original parts instead of aftermarket ones.

For details about our classic car policies, call DGIA LLC in Round Rock, TX!