Hart Insurance answers 5 common classic car insurance FAQ

Your classic car is one of a kind. It deserves insurance coverage that’s just as special.

Hart Insurance understands this more than most. Serving Federal Way, WA, the agency answers five common questions to help you find the right insurance for your vintage ride.

What is classic car insurance?

Classic car insurance is unique. These policies are highly specialized and tailored specifically for classic car owners. While many of the features are similar to traditional auto insurance, available options can be quite different.

How is classic car insurance different?

A key difference is that classic car insurance is considered "agreed valued coverage." This means that you and your agent agree on the car’s value when you purchase a policy. This value is often set by a professional appraisal.

What types of cars are covered?

Classic car insurance is also offered for antique, exotic, and custom cars. These are mostly determined by a car’s age and can fluctuate depending on the company. Modified or custom cars are sometimes tricky to insure. These alterations can be negative or positive for a car’s value.

Is my car eligible?

There will be restrictions on what cars qualify. In addition to meeting one of the above categories, drivers may face eligibility requirements too. Most importantly, classic car insurance holders must own another vehicle for daily use.

How much does classic car insurance cost?

Rates will vary depending on make, model, and mileage. However, classic car insurance is typically less expensive than regular coverage. This results from classic cars spending less time on the road and more time stored in a garage. Less driving equals less risk. 

Find an agent serving Federal Way, WA

Give Hart Insurance a call today. Their professional agents are waiting to "supe up" your classic car by providing a personalized insurance plan.