Classic Car Insurance | Texas

The Importance of Classic Car Insurance | Texas

The Lone Star State is a fantastic place to live. With seemingly endless stretches of open roads, iconic cities, desert landscapes, and lush countryside, Texas is truly a sight to behold. What better way to enjoy the state than cruising around in a classic ride? 

If you’re a proud owner of a classic, you need to preserve your historic beauty as long as you can. Whether you’re new to the world of classic cars or a seasoned collector, you need premium classic car insurance in Texas. 

But what makes classic car insurance different from standard auto insurance? 

Classic car insurance carriers design their policies to suit the needs of classic car owners. Classic insurance can protect your ride at a more affordable price than standard insurance. 

According to the website MarketWatch, the average cost of car insurance in Texas is $960 for liability and around $3,156 for full coverage. This is notably more expensive than many classic insurance policies. 

The reason why classic insurance is more affordable is because owners typically don’t use their iconic rides for everyday tasks, such as their commutes to work. Instead, these owners use their classics on special occasions, like driving to a car show. For that reason, classic auto insurance policies offer mileage packages at a more affordable price than standard policies. After all, you’re less likely to get into a car accident if you drive your vehicle less frequently. 

Further, classic car owners usually take much better care of their vehicles than other drivers. Classic vehicles appreciate over time, so collectors often view their vehicles as investments to protect rather than just conveyances. 

At Classic Auto Insurance, we offer three different mileage packages – 1,000, 3,000, and 6,000 – as well as rollover miles. Additionally, our top-of-the-line policies are based on agreed-upon value instead of stated value. You know the true value of your car more than anyone, so we’ll work with you to determine your classic’s worth. In the event you total your car, you’ll receive the full agreed-upon amount minus your deductible. Standard car insurers don’t provide agreed-upon value coverage. Instead, they’ll tell you what your car is worth, and you won’t be able to negotiate. We speak the language of classic car enthusiasts. We share your appreciation for automotive craftsmanship from muscle cars to vintage cruisers.

Another key benefit of choosing Classic Auto is our included “Inflation Guard.” With Inflation Guard, your auto protection will automatically increase to keep pace with inflation. That way, you never need to worry about your cherished ride lacking sufficient coverage. 

Our policies also have the option of roadside assistance. Whether you’re enjoying Texas’s striking scenery or are driving to a car show, you can rest easy knowing that Classic Auto will supply you with nationwide roadside assistance with flatbed towing. 

Vehicles We Can Cover

Classic Auto Insurance specializes in protecting many different types of classic vehicles. From powerhouse muscle cars to robust classic trucks, you can trust Classic Auto to safeguard your timeless ride. We even protect antique cars, such as the historic Model T. 

Looking for Texas classic car insurance for a custom ride? No problem! Classic Auto can protect your custom beauty, such as a Hot Rod, Rat Rod, Restomod, or another modified classic. 

Those with a luxurious taste in cars may turn to the legendary Mercedes-Benz or Rolls Royce. These unforgettable luxury vehicles are truly iconic. If you’re fortunate enough to own a luxurious classic, you need to protect it with a top-tier insurance policy, such as a custom policy from Classic Auto Insurance.

Classic Auto also insures numerous other types of classic and collector vehicles. You can check out our full list of vehicle types here. 

Storage Tips for Classic Cars

Every classic car owner should opt for premium classic car insurance, but protecting your ride involves more than just great insurance. You should also store your classic properly. Storing your vehicle correctly is an essential part of preserving its value. 

Make sure to follow these essential tips for storing your vehicle:

• Find the right storage space: You shouldn’t store your classic just anywhere. You need to find a dry space with concrete floors. Don’t store your vehicle on surfaces that may retain moisture, such as dirt, as this can lead to rusting. It’s also best to store your vehicle in a space with climate control and an air filtration system. Consider storing your beauty in a climate-controlled garage or specialized storage space. 

• Protect your vehicle with a cover: Why risk having your vehicle scratched or dinged while in storage? Protect it with a car cover. 

• Store your battery separately: Removing your battery will ensure you don’t drain it while in storage. Start by disconnecting the negative terminal and then the positive. 

• Change your oil: Changing your oil before storing your vehicle will decrease the likelihood of oil contaminants damaging your engine. 

• Fill up your gas tank: Keeping your gas tank full will decrease the likelihood of it rusting while in storage. 

Impact of Car Shows and Exhibitions on Insurance Premiums

Regularly showcasing your classic vehicle at exhibition opportunities could raise your insurance premiums, but this will depend on your insurance provider and policy. Here at Classic Auto, we expect our clients to display their striking vehicles at car shows. You won’t pay a higher premium for displaying your ride at events.

While car shows and other exhibitions offer great opportunities for showing off your breathtaking ride, there are risks. Your prized possession could suffer damage, or even worse, someone could steal your vehicle. For these reasons, you should have classic car insurance in Texas before displaying your cherished vehicle. 

Texas Classic Car Useful Links

Texas is home to many fantastic car shows, events, and auctions. As you know, the Lone Star state is incredibly large, so the full extent of the state’s events is vast. 

There are several weekly and monthly Cars & Coffee events, such as the Clear Lake Cars & Coffee in Houston, the BRCC Cars and Coffee in Waco, the Blanco Cars and Coffee, and numerous others. For a full list of fun events, visit Motortexas.com and Oldride.com.

Additionally, you should consider checking out the Burley Auction for various auction listings in Texas. One of the auctions featured on the site could be where you find your next or first classic ride. 

Contact Classic Auto Insurance for Your Texas Collector Car

If you’re searching for the right insurance coverage for your classic ride, you can count on Classic Auto to supply you with premium and reliable Texas collector car insurance. 

Discover peace of mind knowing that your classic car is in good hands with Classic Auto Insurance. Our knowledgeable team is here to guide you through the process, providing personalized service & tailored solutions to fit your unique needs. 

You can learn more about our policies and coverage options by calling our classic car insurance specialists at 888-901-1338. You can also request an insurance quote online here.