Antique Car Insurance: Protecting Your Classic Ride
- Jonathan Zschau
Owning an antique vehicle isn’t just about transportation—it’s about preserving a piece of history. Whether it’s a sleek roadster from the 1960s or a trusty pickup from the 1980s, these classic cars hold sentimental and monetary value. If your vehicle is 25 years or older, you may be eligible for significant savings on your insurance, thanks to specialized antique car policies.
In Massachusetts, antique vehicles that meet certain requirements set by the Registry of Motor Vehicles (RMV) often qualify for reduced insurance rates. These policies are tailored to cars that are rarely driven and carefully maintained, which insurers often consider a lower risk.
Antique car insurance typically includes:
Agreed Value Coverage: Unlike standard car insurance, which factors depreciation into claims, antique car policies often let you and the insurer agree on the car’s value upfront.
Usage Limitations: Coverage designed for vehicles driven occasionally—like to car shows or parades—not for daily commuting.
Spare Parts Coverage: Many policies include coverage for spare parts, helping you protect your investment in the restoration process.
To take advantage of these savings, ensure your vehicle meets your insurer’s antique or classic car requirements. Typically, the car should be at least 25 years old, stored in a secure garage, and driven only under limited conditions.
At Partridge-Zschau, we understand the pride and care that goes into owning an antique car. Let us help you find the right insurance policy to protect your classic ride while saving you money. Contact us today to explore your options and ensure your treasured vehicle has the coverage it deserves. After all, your antique car is more than just a car—it’s a part of your legacy.
Disclaimer
This article is for informational purposes only and is not intended to stand alone as insurance or legal advice. Individual circumstances may vary, so when in doubt, contact Partridge-Zschau directly to discuss your specific needs.