Classic Car Insurance in Texas

Your classic car in Colleyville, TX is a true collector’s item. You want to make sure that you have the right classic car insurance to protect this investment. A classic car insurance policy is usually cheaper than traditional car insurance since these cars spend less time on the road. However, some policies may come with rules and restrictions about where you park and drive your vehicle. An agent at the Jason Ridley Agency can help you make sure the policy suits your needs.

Qualifications for Classic Car Insurance in Texas

The age of the car alone won’t turn it into a classic. If your historic vehicle is held together by duct tape, then you won’t likely find coverage. Insurance companies may not require an appraisal, but there are qualifications your car needs to meet. Your vehicle usually has to be between 10 and 20 years old in order to be considered classic and 25 years old to be regarded as an antique. The car should be well maintained, but you may still be able to get insurance while you are in the process of restoring a vehicle. Your vehicle shouldn’t be intended to be your daily ride. While you can have occasional use, you aren’t covered driving your classic car to work every day. Your vehicle also needs to be kept in a locked garage, a driveway, or carport that is safe. In addition, as the driver, you need to be 25 years old and have some driving experience. You will also need a clean driving record. You may need to show proof of having a separate vehicle for daily use.

Features to Look for in Texas Classic Car Insurance

One main feature of classic car insurance in Colleyville, TX is the agreed value. This is the amount you and the insurance company agree on at the beginning of your policy that your car is worth if the vehicle is totaled. You may also want to look for different coverage depending on your needs, such as spare parts coverage or restoration coverage.

Contact Jason Ridley Agency to get a quote on classic car insurance.