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Hart Insurance Agency

1230 S 336th St,
Federal Way, WA 98003

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How much driving does my classic car insurance allow?

You finally finished rebuilding your dream car. It’s a beauty, a classic, and you’re going to show it off at every classic car show you can find near Federal Way, WA. You also want to show it off by cruising in it. You need to obtain the right insurance from Hart Insurance then because you can drive it all you like under a regular auto insurance policy, but a classic car policy limits the amount of driving you can do.

A classic car policy often costs less than standard auto coverage. It covers the full replacement value of your vehicle though if that becomes necessary. A typical auto policy provides inadequate coverage to repair or replace a damaged classic car that would require genuine and hard-to-find parts.

One of the reasons underwriters can afford to do that is that the policy covers much less driving. Classic car policies even specify that you cannot use the vehicle on a day-to-day basis nor as your secondary car.

A classic car insurance policy allows you to drive to and from car shows, in occasional parades and at other similar, periodic events.

Classic car insurance provides vehicles 25 years old or more special protection. The policy treats them like rare art or sentimental collectibles. Not only can you not drive it often, you can’t park it outside. Most policies require you to park it inside a private garage, storage unit or pole barn. You’ll also need to have had a clean driving record with at least three years of no alcohol-related offenses, speeding tickets and/or reckless driving.

Visit Hart Insurance in Federal Way, WA to learn more about what classic car insurance can offer you. Show us pictures of your baby. We’ll ooh and ah and make sure you have the right coverage to protect your restoration work.

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