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Classic Car

Classic Car Insurance

Your Classic Car Is an Icon. Insure It Well.

Classic car insurance works similarly to a regular auto policy, with the benefit of having coverage for your vehicle’s agreed value and its specifications such as usage, storage, and more.  It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.  

Not all classic or antique cars are used the same. We will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.

Let Alliances Insurance Agency help you find the right amount of coverage to suit your insurance needs.

Call us today at (610) 816-0043.

What our clients say


“I have used Kevin and his team for a number of years. He has your best interest in mind and is always looking for ways to help you and not his pocket. If there is a better rate, he’ll find it, and without you asking! Respectful and responsive!”

– R. Rose

Typically included in the Policy

Classic Car insurance is similar to standard car insurance with a few additions:



Specialized repairs or restoration if damaged

Classic parts replacements

Property damage

Bodily injury


The definition of a classic car and other types of cars will vary by insurance company. It’s a good idea to discuss your specific car with your insurance agent to find out what type of coverage your car is eligible for.

Classic Car Insurance can cover a wide range of vehicles, depending on the insurance company. Here are some types of vehicles that might be eligible for Classic Car Insurance:

  • Antiques
  • Classic cars
  • Classic military vehicles
  • Classic tractors
  • Customs
  • Exotics
  • Kit cars and replicas
  • Military vehicles
  • Modified vehicles, like hot rods, tuners, and low-riders
  • Motorcycles and scooters
  • Muscle cars
  • Race cars
  • Restorations in process
  • Retired commercial vehicles, like fire trucks
  • Trucks
  • 1980 and newer collector vehicles

Agreed value is a type of coverage where you and your insurance company settle upon the value of your vehicle when you take out the policy.

Agreed value can be a great approach because it gives you the opportunity to explain to the insurance company everything you’ve put into the car and why it may have more value than other similar vehicles. In the event of a covered loss, you’ll be reimbursed the lessor of the repair cost to fix the vehicle or the agreed value, regardless of any depreciation.

Classic cars require special insurance, and most plans require that they be kept in an appropriate garage. You will need to check with your state.

In addition to stating that the vehicle will be sheltered from the elements and vandals, you can also expect to send pictures to the company to verify that you have the right structure.

Before you can get your vehicle insured as a classic car, your classic has to be officially registered that way.

There are extra steps you have to take when you register a classic car with the DMV. These requirements vary by state and are in place to cut down on fraud.