Do you own a classic car?

Your car could be considered a classic if it was manufactured more than 25 years ago or more than 20 years ago and has value as a collectible.

Although they are insured the same way, cars restored to or maintained in working condition that were manufactured before 1975 are considered “antiques,” and cars still in working condition that were manufactured before 1930 are considered “vintage.”

At Commonwealth Insurance Center, with offices in Williamsburg, VA, but serving the entire Commonwealth of Virginia, we urge our customers who own any vehicle that could be considered classic, antique, or vintage to get classic car insurance.

Why do classic car owners need classic car insurance?

We can write comprehensive insurance for the “agreed” value of the car, the value of your classic, antique, or vintage car, and the amount you would get for it if you sold it on the open market, not just the Kelly Blue Book, Edmund’s, or NADA value of your vehicle.

If you don’t get “agreed” value insurance, you get liability coverage but nothing else.

There are other benefits to classic car insurance.

Classic car insurance can be written (you need to verify this coverage with your Commonwealth Insurance Center agent when you get your policy) so your car is covered during transport to car shows and while you exhibit it anywhere in the world. 

You can also get medical coverage that pays for treating injuries if your car is involved in an off-road mishap. This is coverage that does not have the steep deductibles of your health insurance policy.

Whether you drive your classic car in Williamsburg, VA, or anywhere else in the world, get the agreed-value insurance you need to protect your investment. Call the Commonwealth Insurance Center today!