Classic Auto Insurance in Oklahoma

What is considered a “Classic” Auto?

Insurance companies define “Classic” autos in different ways. In general, they are vehicles that are over 25 years old and are “muscle” or “exotic” cars. Some companies require the vehicle to be older than 10 years. Classic auto insurance policies may also be able to cover vehicles with the following criteria:

  • Modern muscle cars
  • Exotic cars of all years
  • Vehicles with modified higher performance engines or suspension
  • Vehicles with modified bodies

Auto Insurance vs Classic Auto Insurance

One of the biggest differences between classic and regular auto insurance is classic policies take into consideration that these vehicles are rare and not something driven on a daily basis, so they are based on the value of the car. Both types of insurance policies do have the following coverages in common:

  • Liability
  • Comprehensive
  • Collision
  • Medical Payments
  • Uninsured Motorist

How is the value of a classic car determined for insurance?

You submit the value that you feel is accurate, along with photos of the vehicle, into the insurance company and then you work with them until you reach an agreed value.

Are there any rules for a Classic Auto Policy?

Classic Auto insurance is different than your regular car insurance policy in that it takes into consideration the higher value and rarity of classic vehicles. Therefore, it has restrictions that may not appear on regular car insurance policies. Restrictions may include:

  • Limited mileage that could be tracked each year
  • An alternate car or vehicle to be used as your “daily driver”
  • Must be stored in an enclosed garage that locks when not in use

Some things to consider:

Some companies give discounts for having lower mileage/use in a year.

$0 deductibles are sometimes an option with classic auto insurance. For more information about how to have a $0 deductible, ask one of our agents today! They’re always glad to help and answer questions.

Additional Resources for Personal Insurance: 
Click the following links to learn more about each of these coverages! 

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