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Classic Car Insurance

Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.

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Classic Car Insurance

Your classic car isn’t just transportation — it’s a valuable investment and a reflection of your passion. Standard auto insurance often doesn’t provide the specialized protection vintage vehicles require. That’s why we offer Classic Car Insurance designed specifically for collectible and antique automobiles.

Our policies are tailored to the unique risks of owning a classic vehicle, helping protect it from accidents, theft, vandalism, and unexpected events while offering coverage that reflects its true value.

Why Choose Classic Car Insurance?

Unlike regular auto insurance, classic car insurance takes into account how vintage vehicles are used, stored, and valued. With the right coverage in place, you can enjoy your car with confidence knowing it’s properly protected.

Coverage Options Include:

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Agreed Value

We work with you to establish an agreed value for your vehicle upfront. In the event of a covered total loss, you receive the full agreed amount — not a depreciated value.
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Flexible Usage

Coverage allows for limited pleasure driving, as well as travel to car shows, exhibitions, parades, and club events.
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Spare Parts Coverage

Optional coverage is available for spare parts, tools, and accessories associated with your classic vehicle.
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Collision/Comprehensive

Helps cover damage caused by accidents, theft, fire, vandalism, weather events, and other non-collision incidents.
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Liability Coverage

Provides protection if you’re legally responsible for bodily injury or property damage resulting from an accident.
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Uninsured Motorist

Helps protect you if you have an accident with an uninsured driver.

Additional Benefits

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Personalized Service
Our experienced agents work one-on-one with you to tailor coverage based on your vehicle, usage, and storage.
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Competitive Rates
Because classic cars are typically driven less and well maintained, premiums are often lower than standard auto insurance.
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Expertise
Our team understands classic and collectible vehicles and can help guide you through coverage options with confidence.

Eligibility Requirements

Classic car insurance generally requires:

  • Secure, enclosed storage (such as a locked garage)

  • Limited annual mileage

  • A clean driving record

  • Another primary vehicle for daily use

Eligibility and coverage options may vary by state and are subject to underwriting approval.

Protect What You’ve Preserved

At Insurance Partners of NC, we’re passionate about helping classic car owners protect what they’ve worked hard to preserve. Let us help you safeguard your vehicle with coverage designed to match its value and legacy.

Click And Learn

Liability insurance
Collision & Comprehensive
Uninsured Motorist
Cherished Salvage
Spare Parts & Tools

Liability insurance coverage

Risk Factors

This coverage is quite important for unintentional damages and injuries.

Solution

This coverage pays for damage and injuries you cause to others. It also pays for a legal defense in case you are sued because of the car accident you caused. This coverage type is required in most states if you plan to drive your vehicle on public roads.

Collision & comprehensive coverage

Risk Factors

Your classic car is exposed to a wide range of risks, and you need coverage to cope with the losses.

Solution

These insurance types cover a wide range of problems such as car accident damage to your car, auto theft, vandalism, collisions with animals, fire, flood, hail, falling objects, and riots.

Uninsured motorist coverage

Risk Factors

You are involved in an accident caused by an uninsured diver.

Solution

This coverage pays for your medical bills if someone without insurance crashes into you. Some states require you to carry this coverage. In some states, it can also cover car damage caused by an uninsured driver.

Cherished salvage coverage

Risk Factors

Your classic vehicle is totaled by a problem covered by the policy (like a car accident or flood) and damages your vehicle.

Solution

With this coverage, you’ll have the right to keep the salvaged car and still get a payout from the insurance company (minus your deductible).

Spare parts & tools coverage

Risk Factors

You take your classic car to the service station, and they ask you to replace some damaged spare parts with new ones.

Solution

This covers spare parts and personal tools to maintain or restore your classic car. Some auto insurance companies might cover spare parts, even if not intended for the vehicle on the policy.
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