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Classic Car Insurance in Alexandria, VA, McLean, VA, and Throughout Virginia

cartoon classic car Whether you collect cars of all time or simply wish to protect the classic car you have, you will need the right insurance. A basic car insurance policy may not always be the best for your classic car, as the uses and insurance needs are different.

The agents at Kinneman Insurance provide excellent service and attention to detail for each and every client. We will help evaluate your risks and tailor a policy for your classic car. Every classic car is different, and we understand that you will need a policy specifically to cover your needs.

What Is Classic Car Insurance?

Classic car insurance is auto insurance specifically geared for classic vehicles. If you have a vehicle that is considered a classic, you may need more insurance than is available on a normal auto insurance policy.

What Does Classic Car Insurance Cover?

Many of the coverages offered under classic car insurance are the same as would be available under your normal auto insurance policy. A full coverage classic car insurance policy may include:

Comprehensive Coverage: This provides compensation for damages to the vehicle caused by fire, wind, hail, lightning, smoke, theft, vandalism and other incidents not involving collision.
Collision Coverage: This provides compensation for damages to the vehicle caused by a collision with another vehicle or object.
Liability: This covers bodily injury and property damage you may cause someone else while operating the insured classic vehicle.
Medical Payments Coverage: This covers you and your passengers’ medical bills after an accident, no matter who caused the accident.
Uninsured/Underinsured Motorist Coverage: This insurance covers damages related to an accident involving another driver who is not carrying insurance.
Roadside Assistance: This helps with trip interruption costs - such as running out of gas or needing to be towed.

There are optional coverages geared specifically for your classic car, as well, including:

Auto Show Medical Reimbursement: This covers injuries someone may suffer at an exhibition featuring your car.
Traveling Coverage: This can cover expenses if your vehicle breaks down, such as lodging and a rental car.
No Attendance Required: This covers damages if you are away from your vehicle, such as if you leave it at a show.
Spare Parts: If you have spare parts for your vehicle, you can insure them with classic car insurance.

Ask a Kinneman Insurance agent about the right coverage for your vehicle.

Insure Your Classic Car Today

Protect your classic car with Kinneman Insurance today. Call us at (703) 823-8800 to get started.

Common Classic Car Insurance Questions:

How Does Classic Car Insurance Work?

Classic car insurance works much the same as personal auto insurance. When you purchase a classic car insurance policy, you can pay monthly premiums in return for coverage. So long as the policy is active, you can file a claim for damages related to your classic car.

What is Classic Auto Insurance?

You can think of classic car insurance the same as you would any other auto insurance policy; it’s there to help you cover the costs of unexpected, unavoidable problems involving the vehicle you insure.

However, these policies are designed specifically for vehicles that classify as antique, classic or restored. These are vehicles like the souped-up 1950’s roadsters that you might see on the roads on pleasant spring days.

How Does Classic Car Insurance Work?

Just like with standard auto insurance, you will file a claim against classic auto insurance for vehicle damage, accident lawsuits, medical bills and other losses. However, your policy will contain specific benefits that reach beyond the limits of standard coverage to aid with unique losses associated with your particular vehicle.

Often, classic vehicles are very hard to repair or replace, and they will represent significant investments lost if problems ever occur. Classic car insurance will include the benefits that are adequate to address your financial needs following any driving issue.

What Does Classic Car Insurance Cover?

Your classic auto plan can contain many familiar benefits, such as:

Comprehensive Coverage: This provides compensation for damages to the vehicle caused by fire, wind, hail, lightning, smoke, theft, vandalism and other incidents not involving collision.
Collision Coverage: This provides compensation for damages to the vehicle caused by a collision with another vehicle or object.

Liability Insurance: This covers bodily injury and property damage you may cause someone else (like another driver) while operating the insured classic vehicle. Most states require this coverage from every driver.
Medical Payments Coverage: This covers you and your passengers’ medical bills after an accident, no matter who caused the accident.
Uninsured/Underinsured Motorist Coverage: This insurance covers damages related to an accident involving another driver who is not carrying insurance.
Roadside Assistance Coverage: This helps with trip interruption costs - such as running out of gas or needing to be towed.

However, you will need more expansive benefits that apply to classic cars, such as:

Auto Show Medical Reimbursement Coverage: This covers injuries someone may suffer at an exhibition featuring your car.
Traveling Coverage: This can cover expenses if your vehicle breaks down, such as lodging and a rental car.
No Attendance Required Coverage: This covers damages if you are away from your vehicle, such as if you leave it at a show.
Spare Parts Coverage: If you have spare parts for your vehicle, you can insure them with classic car insurance.

How Old Does A Car Have to Be to Qualify for Classic Car Insurance?

Usually, your vehicle must classify as a classic car under your state’s laws on the subject. Often, you are required to register these vehicles as classic when you buy them. Generally speaking, vehicles must be:

Older than 25 years old.
Have a relatively low odometer reading.
Be restored and kept in a quality condition.

Speak to one of our agents to learn more about the specifics of registering or insuring a classic car.

Contact Us Today

Send us a Message

Alexandria Office
50 S Pickett St No. 20-A
Alexandria, VA 22304
703-823-8800

McLean Office
1301 Vincent Pl.
McLean, VA 22101
703-356-8155

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