{"id":10244,"date":"2024-10-24T23:16:10","date_gmt":"2024-10-24T23:16:10","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/?page_id=10244"},"modified":"2024-12-10T15:41:26","modified_gmt":"2024-12-10T15:41:26","slug":"classic-car-insurance-faq","status":"publish","type":"page","link":"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/classic-car-insurance\/classic-car-insurance-faq\/","title":{"rendered":"Classic Car Insurance FAQs"},"content":{"rendered":"<div class=\"c-section\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-section__content\">\n            <div class=\"c-faqs-wrapper\">\n                <div class=\"c-faqs-categories\">\n                    <div class=\"c-faqs-categories__wrapper\"  role=\"navigation\">\n                        <h2 class=\"c-faqs-categories__title\" id=\"faqsCategoriesTitle\">Topic Categories<\/h2>\n                        <ul class=\"o-list-bare c-faqs-categories__list\">\n                                                            <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/auto-insurance-faq\/\" aria-current=\"page\">Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/motorcycle-insurance\/motorcycle-insurance-faq\/\" aria-current=\"page\">Motorcycle Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/life-insurance\/life-insurance-faq\/\" aria-current=\"page\">Life Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/renters-insurance\/renters-insurance-faq\/\" aria-current=\"page\">Renters Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/homeowners-insurance\/homeowners-insurance-faq\/\" aria-current=\"page\">Homeowners Insurance<\/a>\n                                    <\/li>\n        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class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/pet-insurance\/pet-insurance-faq\/\" aria-current=\"page\">Pet Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/mexican-car-insurance\/mexican-car-insurance-faq\/\" aria-current=\"page\">Mexican Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/boat-insurance\/boat-insurance-faqs\/\" aria-current=\"page\">Boat Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/business-insurance\/business-insurance-faq\/\" aria-current=\"page\">Business Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/motorhome-and-rv-insurance\/rv-and-motorhome-insurance-faq\/\" aria-current=\"page\">RV and Motorhome Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link \" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/atv-insurance\/atv-insurance-faq\/\" aria-current=\"page\">ATV Insurance<\/a>\n                                    <\/li>\n                                                        <\/ul>\n                    <\/div>\n                <\/div>\n                <div class=\"c-faqs\" id=\"faq-list-block_f8c83e78ccdece113b1181da12723b2e\">\n                    <h2 class=\"c-faqs__title c-section__title c-section__title--left c-section__title--blue c-section__title--with-img\">\n                                                    <img decoding=\"async\" class=\"c-section__title-img\" loading=\"lazy\" alt=\"\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/10\/ACC-Icon-Classic-Car.svg\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\">\n                                                Classic Car Insurance FAQs \n                    <\/h2>\n                    <div class=\"c-faqs__questions\">\n                                                                                                                <div class=\"c-faqs-index\">\n                                    <h3 class=\"c-faqs-index__title\"><\/h3>\n                                                                            <ul class=\"o-list-bare c-faqs-index__list\">\n                                            \n                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question1\">Can I Take My Classic Car Out for a Drive Anytime I Want?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question2\">Does Classic Car Insurance Cover Routine Service?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question3\">Can I Drop My Coverage in Winter Months When I Don\u2019t Drive?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question4\">Can\u2019t I Just Add my Classic Car to My Regular Car Insurance?<\/a>\n                                                <\/li>\n                                                                                                                                    <\/ul>\n                                                                    <\/div>\n                                                        <div class=\"c-faqs-answers\">\n                                                                                                    <div class=\"c-faqs-answers__sub-category\">\n                                                                                \n                                            \n                                                                                    <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question1\">Can I Take My Classic Car Out for a Drive Anytime I Want?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>With classic car insurance, you may only use your automobile for certain events, such as parades and shows. The occasional weekend drive is typically OK, but you may not use this vehicle for everyday use.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question2\">Does Classic Car Insurance Cover Routine Service?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>No. However, because your vintage beauty may need specialized care and handling under a covered claim, this type of policy will pay for repairs with a custom mechanic or even if you do them yourself.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question3\">Can I Drop My Coverage in Winter Months When I Don\u2019t Drive?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Dropping your coverage is not advisable, even when you don\u2019t plan to be driving for an extended period of time.\u00a0 Your classic is still vulnerable to theft and other events, such as floods and fires. You may be able to negotiate for a lower monthly premium during this time.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question4\">Can\u2019t I Just Add my Classic Car to My Regular Car Insurance?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Yes, you can. However, this will likely cost you more since standard auto policies are designed to cover vehicles that are on the roads (and in the path of accidents and other perils) daily. Plus, your classic car policy is for an amount that you and the insurer both feel is adequate. Standard insurance is market value (every year the value and coverage limits will drop for depreciation).<\/p>\n<h3>What Kind of Documentation is Required to Insure a Classic Car?<\/h3>\n<p>When applying for vintage car insurance, you\u2019ll likely need to provide photos of the vehicle, proof of ownership, and details about the car\u2019s condition and restoration history. You may also need to provide proof of how and where the vehicle is stored, as well as an appraisal to establish the car\u2019s agreed value.<\/p>\n<h3>What Defines a Vehicle as \u2018Classic\u2019 for Insurance Purposes?<\/h3>\n<p>While the exact definition can vary by insurer, a car is typically considered &#8220;classic&#8221; if it\u2019s at least 20 years old, kept in good condition, and primarily used for show or pleasure driving rather than daily commuting. Classic car insurance policies often cover vintage, antique, and historical vehicles as well.<\/p>\n<h3>Can I Drive My Classic Regularly with Classic Car Insurance<\/h3>\n<p>In most cases, the answer is no. Collector car insurance policies typically have mileage restrictions that limit how much you can drive the vehicle each year. These limits ensure that the car is preserved for its value and historical significance. That said, many policies allow for limited use, such as driving to car shows, exhibitions, or even the occasional joyride.<\/p>\n<h3>How Do I know If I\u2019m Getting the Best Deal on Classic Car Insurance?<\/h3>\n<p>When comparing coverage for vintage cars, it\u2019s important to consider more than just the price. Look for policies that offer agreed-value coverage, flexible repair options, and roadside assistance that caters to older vehicles. Some companies even offer discounts if you\u2019re a member of a car club or if you store your vehicle in a secure facility.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                            \n                                    <\/div>\n                                                            <\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"c-section\" id=\"general-quote-callout-block_f72654488b2a2b3e43ec1c85fb55fd1b\">\n    <div class=\"o-wrapper o-wrapper--small\">\n                <div class=\"o-component c-quote-callout\" >\n            <picture class=\"c-quote-callout__pic\">\n                                    <source 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method=\"GET\"\n                    action=\"https:\/\/www.acceptanceinsurance.com\/process-rater\/\">\n\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--select\">\n                        <label class=\"c-quote-callout-form__label\"\n                            for=\"typeOfInsurance\">Type of Insurance<\/label>\n\n                        <select class=\"c-quote-callout-form__select\" id=\"typeOfInsurance\" name=\"type_insurance\">\n                                                                                                                <option value=\"A\" >\n                                Auto Insurance<\/option>\n                                                                                    <option value=\"BT\" >\n                                Boat Insurance<\/option>\n                                                                                    <option value=\"HE\" >\n                                Health Insurance<\/option>\n                                                                                    <option value=\"B\" >\n                                Business Insurance<\/option>\n                                                                                    <option value=\"CI\" >\n                                Commercial Auto Insurance<\/option>\n                                                                                    <option value=\"H\" >\n                                Homeowners Insurance<\/option>\n                                                                                    <option value=\"L\" >\n                                Life Insurance<\/option>\n                                                                                    <option value=\"MAI\" >\n                                Mexican Car Insurance<\/option>\n                                                                                    <option value=\"M\" >\n                 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value=\"SM\" >\n                                Snowmobile Insurance<\/option>\n                                                                                    <option value=\"AC\" >\n                                Classic Car Insurance<\/option>\n                                                                                    <option value=\"SR\" >\n                                SR-22 Auto Insurance<\/option>\n                                                                                    <option value=\"TM\" >\n                                Telemedicine<\/option>\n                                                                                    <option value=\"HI\" >\n                                Travel Club &#8211; Hospital Indemnity<\/option>\n                                                    <\/select>\n                    <\/div>\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--zipcode\">\n                        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