For more than 55 years, Pepper, Johnstone & Company has been trusted with insuring families and businesses. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection.
Classic Car Insurance
from Pepper, Johnstone & Company
It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.
Not all classic or antique cars are used the same, so Pepper, Johnstone & Co. will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.
Do you need insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Talk with us today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs.
Here are some features you should look for when shopping for classic car insurance:
- Agreed Value - This means the provider will pay you the full agreed-upon amount in the event of a covered total loss, less any applicable deductible. This agreed value coverage gives you guaranteed value on a covered claim, unlike standard policies or standard insurance that may pay actual cash value with depreciation. A specialized agreed value policy is built to protect high-value collector vehicles, not insure a regular car the way a typical auto insurance policy does.
- Low Rates - Why pay full-time insurance when you drive your collector car only part-time? When the vehicle qualifies, classic car insurance can be 40% to 50% cheaper than standard policies.
- Coverage Options - Not all collector cars are the same, so we can work with you to determine the right amount of coverage to meet your specific needs, including full coverage with liability plus other protections that fit how you use and store the vehicle.
- Generous Mileage - You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value.
- Roadside Assistance - Whether you're down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.
Frequently Asked Questions
About Classic Car Insurance
Classic cars are typically defined as vehicles that are at least 25 years old. Eligibility may also depend on factors such as the vehicle's condition, intended use, secure storage, and the owner's driving record.
Classic car insurance is generally designed for vintage, antique, collector, and certain specialty vehicles kept for recreational driving rather than as a daily driver or a regular car. In most cases, the vehicle must also meet requirements for condition, secure storage, limited use, and ownership. Many policies also require the owner to have a separate vehicle for regular transportation, while allowing hobby use, trips to car shows, and other flexible usage. Some specialty vehicles may also qualify when they are not used as primary transportation and are securely stored.
Classic car insurance is designed around the unique needs of collectible vehicles used for hobby driving rather than as a daily driver. A classic car policy is built differently from standard car insurance, which usually covers a regular car based on actual cash value and depreciation. Classic car insurance typically includes options for specialized repairs, restoration work, replacement parts, and agreed-value protection, and may also offer liability and full coverage depending on how the vehicle is used. Many policies also allow flexible use for leisure drives and trips to car shows, even though the car is not meant for everyday transportation.
Yes. Unlike standard car insurance, classic car insurance is typically built around agreed value rather than depreciation. Full coverage generally includes liability along with physical damage protection, but valuation is handled differently than under standard car insurance. It may include coverage for specialized repairs and restoration costs, including fabricated parts when originals are unavailable. Depending on the policy, coverage may also extend to spare parts and automotive tools used for maintaining the vehicle, and a covered claim may be handled based on that agreed value. Many insurers limit mileage to 7,500 miles per year for classic cars.
Many classic car insurance policies place limits on annual mileage because these vehicles are generally intended for limited recreational, collector, or exhibition use rather than daily transportation.
Classic vehicles generally need to be securely stored when they are not being used. Many insurers limit mileage to 7,500 miles per year for classic cars, although the exact limit varies by policy. Policies may also require a clean driving record and distinguish between permitted collector use and everyday driving. Some insurers also offer bundling options with homeowners insurance to simplify coverage and potentially reduce costs.
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This is a great company to work with! Casandra did an excellent job making sure my claim was completed in a timely manner. Julie is always there to help me any time I need to make changes to my insurance needs. The staff is always professional to work with. I trust Pepper, Johnstone & Company with all my insurance needs and have for many years.
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I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.
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