Why Classic Cars Deserve Specialized Insurance in Southern California 

Owning a classic car in La Habra, CA is more than just a hobby; it’s a passion and an investment. Whether you’re cruising the Pacific Coast Highway in a vintage convertible or showcasing your collector vehicle at local car shows, financially protecting your prized ride is essential. At DRD Insurance Agency, we understand that classic cars require more than standard auto insurance.

Understanding the Unique Value of Classic Cars

Classic and collector cars often appreciate in value, unlike most modern vehicles. Standard auto policies typically base payouts on actual cash value, which may not reflect your car’s true worth. With specialized classic car insurance, you can secure agreed value coverage, meaning you and your insurer agree on your vehicle’s value upfront, ensuring you’re properly covered if the unexpected happens.

Why Standard Auto Insurance May Fall Short

Standard auto insurance is designed for daily drivers, not for vehicles that are rarely driven, meticulously maintained, or restored with hard-to-find parts. These policies may not account for:

• The cost of authentic restoration or original parts
• Limited annual mileage typical of collector vehicles
• The increased risk of theft or damage at shows and events
• The sentimental and historical value of your car

Specialized classic car insurance addresses these gaps, offering tailored protection for your unique needs.

Coverage Features for Enthusiasts

Living in California brings risks such as wildfires, earthquakes, and dense traffic that can all threaten your classic car. Specialized policies may include:

• Agreed value coverage for total loss protection
• Flexible usage options for parades, exhibitions, and pleasure drives
• Coverage for spare parts, tools, and memorabilia
• Roadside assistance designed for vintage vehicles

Your insurance broker can work with you to customize coverage that fits your lifestyle and the specific risks of our region.

How We Can Help

Classic cars are cherished investments and pieces of automotive history. The team at DRD Insurance Agency can help you find the specialized insurance your classic car deserves.

Contact us today to discuss your classic car insurance options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.