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Classic Car Insurance
Protect your vintage vehicle with tailored coverage never leave its safety to chance
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Discover Coverage Tailored to Your Classic Passion
Imagine pulling your prized classic out of the garage: the scent of leather, the glint of chrome under sunlight, and that unmistakable roar when you ignite the engine. It’s not just a car it’s a living piece of history. At Insurance Ball Group, we respect that because we feel it, too.
Classic-car ownership isn’t about just transport it’s about nostalgia, craftsmanship, and the emotional bond between driver and machine. That’s why our classic car insurance is built around your priorities preserving every cherished mile, while giving you trusted protection without overpaying.
Classic car insurance is a specialized policy designed to protect antique and collectible vehicles typically those at least 25–30 years old from the unique risks they face. Unlike standard auto plans that factor in depreciation, a classic car policy bases your vehicle’s value on its agreed-upon worth, so you’re covered for its true market value after a loss.
- Liability
Pays for bodily injury or property damage you cause to others, plus your legal defense costs. (Required in most states for road use.) - Collision & Comprehensive
Covers repair or replacement costs if your classic car is damaged in an accident or by theft, vandalism, fire, flood, falling objects, animal strikes, and civil unrest. - Uninsured/Underinsured Motorist
Reimburses your medical expenses (and sometimes vehicle damage) if an at-fault driver lacks adequate insurance. Required in some jurisdictions.
You can further customize with specialty add-ons, such as:
- Cherished Salvage Coverage
- Spare Parts & Tools Coverage
- Vehicle-In-Restoration Coverage
- Automobilia (memorabilia) Coverage
Classic and collector cars often command higher values and require rare parts or expert restoration. They’re also prime targets for theft or vandalism. A policy built for classics ensures you’re not underinsured when repair or replacement costs exceed what a standard plan would pay.
Beyond age and agreed value, insurers typically require:
- Limited Mileage: Restricting your classic for pleasure driving or club events, not daily use.
- Secure Storage: Garage or locked facility when not driven.
- Secondary Vehicle: Proof you have another car for everyday needs.
- Clean Driving Record: Low-risk profile to qualify or renew.
Some policies allow exhibition and club use, but check if you need special trip coverage first.