Get A Quote For Maryland and Pennsylvania Classic Car Insurance
Your classic car is more than just a mode of transportation; it symbolizes a rich heritage and a profound love for automobiles. This is why your classic car insurance must be distinctive and customized to suit your particular needs. Unlike standard auto insurance, our policy is specifically designed with unique protections to safeguard your valued collector vehicle. Furthermore, at Downes Insurance, we provide outstanding coverage for classic cars at significantly lower rates, as we concentrate solely on insuring vehicles in Maryland and Pennsylvania that are not intended for daily use.
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What makes a car a classic?
The precise definition of classic cars can differ among insurance providers, but Hagerty describes them as "fun-to-drive" vehicles that either retain or increase in value and are primarily used for enjoyment. Here are a few examples:
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1974 Dodge Charger
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1975 Volkswagen Beetle Convertible
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2009 Porsche 911
It's important to note that if you wish to insure your classic car with a classic car insurance policy, it cannot be used as a daily driver. Additionally, your classic vehicle should be stored securely. Ideally, it should be kept in an enclosed space like a private garage or storage unit, although carports and driveways may also suffice.
If your vehicle does not meet the criteria for classic car insurance, you can still obtain coverage through a standard auto policy. You can easily get an auto insurance quote online.
Commonly asked questions about qualifying for classic car insurance in Maryland & Pennsylvania
How old does my Maryland or Pennsylvania car have to be before it’s considered a classic?
Classic cars typically fall within the age bracket of 25 to 50 years. Nonetheless, there isn't a strict age that qualifies a vehicle as a classic. Various states have their own criteria for classifying a car as classic, which can include factors such as age, weight, intended use, or the year of manufacture.
Where do I have to store my MD or PA classic car?
To be eligible for classic car insurance, it's essential to have proper storage for your vehicle. Ideally, this should be an enclosed space like a private garage or storage unit. However, options such as carports, driveways, and other types of storage may also be considered acceptable.
How often can I use my MD or PA classic car?
Your classic car should not serve as your daily driver; it is meant for special occasions only. It's perfectly fine to take it out for leisurely drives, exhibitions, tours, and other similar outings.
Does my driving record impact my Maryland or Pennsylvania classic car insurance?
Indeed, in numerous states, individuals with a history of excessive speeding tickets, reckless driving, or other significant violations within the past three years may find themselves ineligible for traditional auto insurance.
Do I have to have another car insured in MD or PA?
No, but you will need to maintain an insurance policy on your regular-use vehicle in addition to your classic car insurance policy.