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December 29, 2023
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How Classic Car Insurance Works

For classic car enthusiasts, understanding how classic car insurance functions is crucial. This specialized form of insurance caters to the needs of classic, antique and vintage vehicles. DRD Insurance Agency in La Habra, California, can provide personalized classic car insurance quotes.

What Auto Insurance Is Required in California?

In California, as in most states, specific auto insurance requirements apply to all vehicles, including classic cars. These typically include liability insurance to cover costs associated with bodily injury and property damage you may cause to others in an accident. However, standard auto insurance might not always be the best fit for classic cars due to their unique nature and valuation.

Do I Need Insurance for My Classic Car?

While classic cars might not be your daily driver, insuring them is still essential. Insurance for classic cars not only meets legal requirements but also protects your investment in the following ways:

  • Agreed value coverage—This ensures that in the event of a total loss, you will receive a payout of a value you and the insurer agreed upon, reflecting the car’s true worth.
  • Protection for rare parts—Classic cars often require rare or specially made parts that can be expensive and difficult to source. Insurance can help cover these specific needs.

What Optional Classic Car Insurance Should I Consider?

Beyond the basic requirements, there are several optional coverages that classic car owners should consider:

  • Comprehensive coverage may help protect against noncollision-related risks such as theft, vandalism or weather damage.
  • Collision coverage may help cover damages to your classic car in the event of an accident.
  • Roadside assistance may be helpful in emergencies, especially given the unique needs of classic cars.
  • Spare parts coverage may help cover the cost of rare or valuable spare parts for your collector car.

How Can I Get a Classic Car Insurance Quote?

When seeking classic car insurance, it’s essential to get a quote that accurately reflects the value and use of your vehicle. DRD Insurance Agency in La Habra, California, specializes in providing tailored classic auto insurance solutions, ensuring your vehicle gets the protection it deserves.

Contact Us

Classic car insurance is a specialized product designed to protect the value and integrity of collector, antique and vintage vehicles. Understanding how it works and what coverage options are available is vital to ensuring your vehicle is protected financially. For more information or a classic car insurance quote that suits your needs, contact DRD Insurance Agency.


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. 

Categories: Classic Car Insurance

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