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Comprehensive Classic Car Insurance with 
Direct 2U Insurance

Protecting Your Automotive Treasures in Ontario, California
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Direct 2U Insurance/ classic car insurance

Classic Car Insurance Provided By Our Agency

Is your passion for cars nearly an obsession? Maybe you own a piece of automotive history, such as a perfectly preserved 1930s dual-cowl phaeton or a 1960s roadster. Perhaps you spend weekends cruising the boulevard in your custom classic or hot rod. Or maybe you have a taste for exotic sports cars. Whatever your passion for automobiles, you can safeguard your classic vehicle and your investment in it.

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Liability insurance
Collision & Comprehensive
Uninsured Motorist
Cherished Salvage
Spare Parts & Tools

Liability insurance coverage

Risk Factors

This coverage is quite important for unintentional damages and injuries.

Solution

This coverage pays for damage and injuries you cause to others. It also pays for a legal defense in case you are sued because of the car accident you caused. This coverage type is required in most states if you plan to drive your vehicle on public roads.

Collision & comprehensive coverage

Risk Factors

Your classic car is exposed to a wide range of risks and you need coverage to cope up with the losses.

Solution

These insurance types cover a wide range of problems such as car accident damage to your own car, auto theft, vandalism, collisions with animals, fire, flood, hail, falling objects and riots.

Uninsured motorist coverage

Risk Factors

There can be a possibility that you crash into an uninsured driver and damage your classic car.

Solution

This coverage pays for your medical bills if someone without insurance crashes into you. Some states require you to carry this coverage. In some states it can also cover car damage caused by an uninsured driver.

Cherished salvage coverage

Risk Factors

Your classic vehicle is totaled by a problem that’s covered by the policy (like a car accident or flood) and damages your vehicle.

Solution

With this coverage, you’ll have the right to keep the salvaged car and still get a pay-out from the insurance company (minus your deductible).

Spare parts & tools coverage

Risk Factors

You take your classic car to the service station and they ask you to replace some damaged spare parts with the new ones.

Solution

This covers spare parts and personal tools used to maintain or restore your classic car. Some auto insurance companies might cover spare parts even if they are not intended for the vehicle on the policy.

What is Classic Car Insurance?

Classic car insurance is a specialized policy designed to protect antique or classic cars. According to the Insurance Information Institute (III), a car is considered classic if it is at least 25 to 30 years old.

Standard automobile insurance might offer some coverage for a classic car, but it often doesn’t cover its full value. Traditional policies calculate a car's value based on age, mileage, and depreciation. However, for classic car owners in Ontario, California, a classic car that has been customized or restored can be worth more than its depreciated value, necessitating more than basic auto insurance to cover repair costs after an accident.

Types of Classic Car Insurance Coverage

Classic car insurance typically includes coverage options similar to personal auto insurance:

Liability Auto Insurance
Coverage includes damages and injuries you cause to others and provides legal defense if you are sued due to a car accident. In most states, having this coverage is required if you intend to drive your car on public roads. 

Collision and Comprehensive Insurance
Covers a wide range of issues, including accident damage, theft, vandalism, animal collisions, fire, flood, hail, falling objects, and riots.

Uninsured Motorist Coverage
Compensates for your medical expenses if an uninsured driver hits you. Some states require this coverage, which may also cover automotive damage caused by an uninsured driver.

In addition to standard coverage types, classic car insurance can be customized with:

  • Cherished salvage coverage
  • Spare parts and automotive tools coverage
  • Vehicle under construction coverage
  • Automobilia coverage

Why is Classic Car Insurance Important?

Classic cars often cost more than everyday vehicles and may need specialized repairs if damaged. Due to their value and rarity, they are also more likely to be stolen or vandalized, making insurance essential.

How Do You Get Coverage for Classic Car Insurance?

To qualify for classic car insurance, more than just the vehicle's age and value is considered. The III states that classic car insurance usually excludes daily driving and may impose mileage restrictions. Insurers may require proof of proper storage and another vehicle for regular use.

Some insurers permit driving the vehicle to car shows and auto club events, but specific coverage might be needed for such trips. In most states, having this coverage is required if you intend to drive your automobile on public roads.

If you plan to drive your car on public roads, you must have this coverage in most states.

Get in Touch

Contact Direct 2U Insurance at 3401 Centre Lake Dr Suite 520 Ontario, CA 91761, to learn more about coverage options and protect your classic car.

Already have Classic Car Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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