The Differences Between Policies for Classic and Regular Cars

If you love cruising around Pismo Beach, CA in your classic car, you probably already understand the importance of good car insurance. Even if you’ve collected classic cars for years, do you actually know the differences between regular and classic car insurance? At Neff & Associates Insurance Services Inc, we want you to understand your insurance and what you’re paying for. Read on to learn about the differences between standard car insurance and classic car insurance.


Most likely, you’re not driving your classic car to work and back every day. This limited use transfers to lower risk of an accident, thus lower rates. Classic cars are also usually well taken care of and stored in enclosed garages. For these reasons, classic car insurance is typically much cheaper than regular car insurance.

Car Value

Typically with regular cars, the value of your car is determined by the current retail value. With regular, everyday cars, this value obviously depreciates over time. With classic cars, however, value and cost operate very differently. Once you and the insurance company agree on a value for the car, that is the amount you will receive if something does happen.


It’s a no-brainer that you need a license to drive a regular car, but you also need a special license to drive a classic car. This is only one of the requirements you need to meet in order to qualify for classic car insurance. Talk to an agent at Neff & Associates Insurance Services Inc to find out what is required to ensure your classic car.

Next time you take your ‘63 Ford Galaxies 500 out for a spin in Pismo Beach, CA, you can cruise with the knowledge of how your classic car insurance works.