Classic cars are a source of pride and joy for many enthusiasts. There’s nothing quite like the thrill of getting behind the wheel of a fully restored vehicle. However, when it comes to insuring classic cars, some people may opt for specialized classic car insurance instead of standard auto insurance due to its tailored coverage and affordability. It’s important to understand the specific regulations and requirements associated with these policies.

Mileage Requirements

Classic car insurance is designed for vehicles that are driven for pleasure or showcased at car events. Because of this, many policies include mileage restrictions. For example, some companies may require that cars are not driven more than 7,500 miles annually. Exceeding this limit could result in a denied insurance claim. If you’re in Reno, NV, it’s essential to understand these limitations to ensure your coverage remains valid.

Usage Limits

While some insurers offer unlimited mileage, they may impose usage restrictions instead. Under these policies, cars can only be driven to events, car shows, or occasionally for leisure. They cannot be used for daily commuting or routine errands. To learn more about usage limits, it’s important to consult with an insurance provider like Hinman & Associates Insurance.

Other Requirements

Classic cars must meet specific criteria to qualify for this type of insurance. Typically, the vehicle must be at least 25 years old. Additionally, many insurers require that the car is stored in a secure location, such as a garage or driveway, to minimize the risk of damage or theft. A clean driving record is also often a prerequisite for obtaining coverage.

At Hinman & Associates Insurance, we understand the importance of meeting the requirements for classic car insurance. Our experienced agents are here to guide you through the process and ensure you have the coverage you need. Contact us today to learn more. We proudly serve the Reno, NV area.