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319 E. Main St.
Brownsburg, IN 46112

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I have an old Chevette. Am I eligible for classic car insurance?

Many of us have old cars that we still drive from time to time. However, old doesn’t always equal classic. Although the definition of a classic car can vary from one insurance company to the next, there are general guidelines that fit the definition of a classic car. The team at Grove Insurance Agency is dedicated to educating Brownsburg, IN drivers on the basics of classic car insurance.

What is classic car insurance?

Classic car insurance doesn’t have a definition that’s set in stone. In fact, insurance companies set their own definition of what’s classic. However, there are general factors that define a classic car. Typically, classic cars are 25 years old or older. However, even that number can fluctuate a little bit. Classic cars also have some sort of historical interest and may even be limited edition. As a result, not all old cars fall into the category of classic.

Classic cars are usually kept in mint condition and may be restored vehicles. Classic cars can’t be primary vehicles. In other words, these vehicles are usually not the primary car driven but the secondary car and aren’t driven daily. Classic car insurance differs from conventional insurance in that the classic car is insured for its agreed-upon value. You and the insurance company agree on the value of the car. However, classic car insurance carries similar coverage to conventional car insurance. 

I have an old Chevette. Am I eligible for classic car insurance?

Maybe. Of course, it will be up to the insurance company of your choice. However, if you’re driving your car daily, or it’s your primary vehicle, it’s unlikely that you can insure it as a classic car. Also, if your car is in poor condition, it’s also likely that your car wouldn’t be eligible for classic car insurance.

We Are Here To Help

If you have questions about classic car insurance, call us at Grove Insurance Agency in Brownsburg, IN. We’d be happy to answer your questions.