Ask An Agent


Get free car insurance advice on demand



Why must I have a garage to qualify for classic car coverage?

I own a 30 year old mustang and I want classic car insurance, but the company I’m wanting to use won’t issue a policy since I don’t have a garage at my home. I have a clear record and the mustang is not my daily driver.

Agent Answer

Neil Richardson

Classic car insurance and a standard auto policy can differ significantly. Since most, if not all, classic auto policies cover your car based on a stated amount value rather than a depreciated value, there are more requirements to qualify for a policy. Keeping the vehicle in a garage significantly reduces the chances of theft and damage from weather events. You could still insure your vehicle on a personal auto policy that wouldn’t have the same stipulations as classic car coverage, but the payout from your insurance company at the time of loss would be much lower than a classic car policy because of how the value is determined. I hope this helps!

Was this helpful?

0 0
  • Didn't Find What You Were Looking For?

    Ask us another question and an insurance expert will get back to you with an answer.

Looking to save money on your car insurance?

Learn More