Insurance For A Classic Car – Request an online classic car quote from The Hartford’s trusted partner Hagerty, the leader in classic car insurance. When you click, you will be directed to the Hagerty website.
We work with Hagerty because we want the best for our customers. Hagerty is a leader in classic car insurance and is trusted by over 1 million classic car owners.
Insurance For A Classic Car
We know you are proud to own such a beautiful vehicle. We’re here to help make sure your prized possession has the classic car insurance it needs. In fact, we’ve helped customers get the right auto insurance for years.
Classic Car Insurance
Not every car qualifies for classic auto insurance. To get coverage, your vehicle needs to be a “spare” car that is used for pleasure and not needed on a regular basis.
To learn more, talk to a Hartford/Nutmeg agent at 800-555-2510 and get your classic car insurance quote today.
We know that collector cars are more than just a vehicle. They are ambitious projects, rich in legacy and investment. This is why you’ll want quality car insurance coverage to help pay for repairs when you need them. This is especially true because replacement parts can be expensive and difficult to find.
Repairing and replacing a classic, antique or collector vehicle can be expensive. That’s why you need the right amount of classic car insurance. The value of your car determines your policy amount, and the agent you work with will ensure that the car insurance coverage you get provides the protection you need.
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To insure your classic car, customize your coverage with Hartford’s AARP® Auto Insurance Program
Through Nutmeg Insurance Agency today, you’ll find coverage designed to protect your rare vehicle at a low rate.
Get your classic car insurance quote or any questions answered by speaking with a Hartford/Nutmeg expert today at 800-555-2510.
The average cost of car insurance depends on the type of classic car you have and other factors such as:
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Each car insurance company has different classic car insurance requirements to qualify for coverage. Some may require a clean driving history, mileage limits, or safe storage conditions, such as always keeping it in a garage.
Making sure you have these policies can help pay for damages to your vehicle in the event of a total loss.
In an agreed-upon value-based policy, some classic auto insurance carriers state a specific sum insured for the repair or replacement of the vehicle. Typically, an insurance company and the policyholder go through documents such as appraisals, photos and invoices to arrive at an agreed price.
Your standard auto insurance helps protect the car or vehicle you use regularly. Your classic car insurance helps protect cars that are 10 years old or older that are not used as everyday vehicles. In most cases, your classic car insurance will be cheaper than your standard auto policies.
Classic Car Insurance Vs. Regular Car Insurance
No. Although classic auto insurance helps cover events like parades and car shows, it also protects you if you occasionally need to drive for other reasons.
Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting reviews and final acceptance of risk, and may not be available for all risks or in all states.
This program is offered by either Hagerty Group, LLC through Essentia Insurance Company (“Essentia”) or American Modern Insurance Group, Inc. (Can be underwritten by American Southern Home Insurance Company, Consumer County Mutual Insurance Company in FL and LA). Company in TX, American Family Home Insurance Company d/b/a AFH Insurance Company (Lic. No 2961-1) in CA, and American Modern Home Insurance Company) (“American Modern”), through Nutmeg Insurance Agency Inc. Affiliate of Hartford Fire Insurance Company. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products written and issued by Essentia and American Modern.
Hagerty’s policies are written by Essentia Insurance Company, through Nutmeg Insurance Agency, an affiliate of The Hartford Fire Insurance Company. Hagerty is a trusted partner of The Hartford with no direct affiliation with AARP.
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Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions stated in your policy will determine your coverage.
AARP and its affiliates are not insurers. Paid endorsements. The Hartford pays AARP a royalty fee for the use of its intellectual property. These fees are used for general AARP purposes. AARP membership is required for program eligibility in most states.
The AARP Auto Insurance Program of Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten by Hartford Insurance Company of the Southeast in AZ. in CA, through Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; in MA and MI, by Trumbull Insurance Company; and in PA, through Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program by Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. in CA through Property & Casualty Insurance Company of Hartford; in WA, MI and MN, through Trumbull Insurance Company; In MA, Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; And in PA, through Nutmeg Insurance Company. Domestic product not available in all areas, including the state of FL. Savings, benefits and coverage may vary and some applicants may not qualify. This program is not currently available in Canada and US territories or possessions.
1 In Texas, the auto program is underwritten by Redpoint County Mutual Insurance Company through Southeast General Agency, Inc. of Hartford. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products written and issued by Redpoint County Mutual Insurance Company. The home program is underwritten by Hartford Insurance Company of the Southeast. Classic car insurance protects your collectible vehicle through liability, comprehensive, collision, and other specialty coverages. Classic cars often retain or increase in value, so classic car insurance usually covers you up to an agreed price. Regular car insurance may not provide this much coverage. A car is often considered a classic if it is at least 10 years old and has historical interest, but classic car insurers have their own rules for accepting vehicles into their programs. For example, you may be subject to qualifiers such as age, driving experience and record, and access to another vehicle.
Get Your Classic Car Geared Up For The Season!
Classic car insurance works like a regular auto policy, with the benefit of coverage for your vehicle’s agreed-upon value and specifications such as usage, storage and more. As with auto policies, you’ll provide information about yourself and the classic vehicle you want to protect, and you’ll select coverages that match your usage and budget.
Classic car insurance covers you for property damage and bodily injury when you take your classic car to auto shows, tours, and collector vehicle functions, and for occasional pleasure driving. Pay for repairs or damages up to policy limits. Deductible options are available on most policies.
Classic car insurance is for more than just classic and collector cars. Vintage motorcycles, military vehicles, milk trucks, sports cars, kit cars, exotic cars, street rods, and all antique vehicles, including tractors, can also be generally insured.
To qualify for classic car insurance, you must meet the insurer’s requirements, which may or may not factor in the age of the car. Hagerty doesn’t have a rule about how old a classic car must be, but it does require the following vehicles it insures:
What You Need To Know About Insuring Classic Cars
In short, yes. Auto insurance is mandatory in all states except New Hampshire (New Hampshire still requires financial responsibility), so if you plan to take your classic or collector car on the road, you should at least have liability coverage. Coverage will be required. Driving without insurance can result in fines or license suspension, so make sure you’re covered even if you only take your classic for the occasional spin around the block. Moreover, it makes sense to protect whatever investment you have made in your valuable vehicle.
A regular auto policy may provide some coverage for your classic car. Standard auto policies typically account for a vehicle’s age, depreciation, and mileage when determining its value (and thus coverage). However, a classic car that has been restored or customized is worth more than the depreciated value. Find a classic car insurer who will insure your car for a price you both agree on.
With Classic Car by Hagerty, your vehicle is protected by Hagerty’s Guaranteed Value® coverage,†† which pays you the full agreed-upon value of the vehicle in the event of a total loss, minus your deductible and/or salvage value. Reduces § Standard auto policies cover repairs using aftermarket parts. Classic car insurance allows genuine parts if your car has them, so the integrity of your car is not compromised.
Most classic car insurers, including Hagerty, will not offer liability-only policies. And race and non-street-legal vehicles are not.
Classic Collectors Insurance By Infinity Review
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