Classic Car Insurance
Classic car insurance is designed for vehicles valued for their history, craftsmanship, and condition, not for daily commuting. Unlike standard auto policies that depreciate value over time, classic car insurance protects your vehicle based on what it’s truly worth.
Coverage Designed for Collectible & Classic Vehicles
For collectors, restorers, and enthusiasts, this coverage matters because classic cars often represent years of investment, careful maintenance, and personal passion. Whether your vehicle spends most of its time in a garage, at shows, or on weekend drives, the right policy ensures it’s protected against damage, theft, and unexpected loss without paying for coverage you don’t need.
Accident Damage
Accidents happen, even to the most carefully driven classic cars. Coverage helps pay for repairs using original or suitable replacement parts to preserve your vehicle’s condition and value.
Specialized Repairs
Classic vehicles require expert care. This coverage allows repairs to be completed by specialists who understand the craftsmanship and true value of collectible cars.
Theft Protection
Because classic cars are attractive targets, theft coverage helps protect you from financial loss if your vehicle is stolen, whether it is stored or on display.
Liability Coverage
Helps protect you financially if you’re responsible for injury or property damage while driving your classic.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Collectors & Enthusiasts
Ideal for individuals who own vintage, antique, or collectible vehicles that are driven occasionally, shown at events, or carefully stored. This coverage reflects limited use while protecting long-term value.
Restorers & Hobbyists
Perfect for owners investing time and money into restoration projects or maintaining classic vehicles in pristine condition. Policies can account for upgrades, restoration value, and proper storage.
For Cars That Mean More
Coverage built for enthusiasts, collectors, and specialty vehicle owners who understand that classic cars require a different approach to protection. Whether your vehicle is a weekend cruiser, a showpiece, or a long-term investment, this coverage is designed to reflect its true value, limited use, and careful upkeep so you can protect what you’ve built without paying for unnecessary coverage.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
What qualifies as a classic car for insurance purposes?
Most insurers consider factors like age, condition, limited usage, and storage. Typically, vehicles 20–25 years or older that are well-maintained and not used as daily drivers qualify.
How is classic car insurance different from standard auto insurance?
Classic car insurance uses agreed value instead of depreciated value, often offers lower premiums due to limited use, and provides coverage tailored to collectible vehicles rather than everyday transportation.
Can I drive my classic car regularly?
Classic car policies usually allow pleasure driving, car shows, and events, but restrict daily commuting. Usage limits vary by carrier, and we help match you with a policy that fits how you actually drive.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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