A classic car is more than just another vehicle; it’s your pride and joy. People spend countless hours ensuring every detail is flawless. It’s important to make sure you have proper coverage, but there are a few criteria you need to meet for classic car insurance in San Antonio, TX.
Age
The age of the vehicle remains a critical factor. Most cars must be at least 25 years old to be registered as a classic. However, insurance companies vary. Some will let you purchase this policy for vehicles that are 10 years old, while others consider vehicles 25 years old to be antiques. An agent at Shavano Insurance Agency LLC can help you learn more about the age requirements.
Mileage
A car can only have this type of policy if it is not being used for daily travel. You may have a car that is 30 years old, but if you drive it daily, it won’t qualify for this policy. These policies are designed for individuals who have a restored car as a hobby, so they often have mileage requirements to ensure the car is only driven for hobby purposes, such as attending car shows.
Condition
Many agencies consider the condition of a car. It should be in good or restored condition. Some companies will insure a car if it is in the process of being restored, but this depends on the company. Ask your agent if this factor is part of the criteria for any classic car policy you’re considering.
Classic car insurance is meant for hobbyists. Cars usually must meet age and mileage requirements. They can’t be for daily use, and they should be in restored condition. Some companies require the car to be stored in a secure location. An agent at Shavano Insurance Agency LLC can help you learn more. We’re currently serving the San Antonio, TX, area.
