Classic car insurance protects your passion and most prized possession.

Your classic car represents your commitment of time and money. Safeguard your investment with classic car insurance.

A step above your typical car insurance.

Your classic car is special to you, and that’s why classic car coverage is a specialty category with key differences from standard auto insurance. Every vehicle is unique, so it’s important to have a policy that matches your car and how you plan to use it. From Spokane Valley, WA, we help collectors across the Inland Northwest protect their investment. It’s your pride and joy—protect it.

Get coverage for all types of classic cars.

First, let’s deal with the name. Different WA, ID, OR, and MT policies may be called classic, collector, or antique car insurance. Exactly what qualifies will depend on the insurance company, but policies usually cover cars that are not only of a certain age but have distinctive characteristics such as being particularly rare. Here are different types of classic cars that you can cover with specialty insurance:

Payouts are based on an agreed-upon value.

The biggest difference between classic car coverage and traditional auto insurance is that the insurance company will usually agree to a specific value of the car at the start of the policy. If the car is destroyed or damaged beyond economic repair, your payout is for the agreed-upon value, rather than looking at the market cash value of your classic car at the time of the claim. This gives you the peace of mind of knowing you’ll get the agreed-upon amount with no surprises.

Coverage for authentic parts is often guaranteed.

As a car collector, you want parts that are made just for your vehicle. That’s why having classic car insurance is essential, as it goes beyond traditional auto insurance when it comes to guaranteeing coverage for authentic parts. If the insurance company pays for repairs after a collision, your classic car insurance policy may guarantee to pay for necessary and authentic parts that might be excluded or exceed coverage limits with an ordinary WA, ID, OR, or MT auto insurance policy.

Covers limited use cars, not daily drivers.

When deciding whether classic car insurance is right for you, remember many policies are for limited use—like low annual mileage or coverage mainly for shows, exhibitions, and parades rather than everyday driving. Depending on how much you drive and the policy you choose, it may be a good fit.

If you are in WA, ID, OR, or MT and own a classic car  we can help protect your ride AND your investment! Contact us to review coverage options tailored to you and your vehicle.