Classic Car Insurance | Michigan

When You Need Michigan Classic Car Insurance

There’s nothing like listening to the hum of a classic while passing Michigan’s rolling countryside, stunning shorelines, quaint towns, and bustling cities. Michigan’s breathtaking landscapes and eye-catching cities are truly rewarding to see, and they’re all the more enjoyable when seeing them through the windshield of a classic ride. 

Having fun cruising around in a classic is especially appropriate in Michigan. The Great Lakes State is arguably the most important place in motor history, as it’s the home of three of the most important car companies in the world: the Ford Motor Company, General Motors, and Chrysler – now owned by Stellantis. Detroit – aptly known as The Motor City – was the birthplace of numerous unforgettable classics, such as the Ford Model T, the Chevrolet Corvette, the Ford Mustang, the Dodge Charger, the Pontiac GTO, and many others. 

If you’re fortunate enough to own a piece of motor history, you need to protect it with Michigan collector car insurance. While beautiful, Michigan is home to many hazards that can threaten your ride, like unsafe drivers and slick road conditions. You need classic car insurance in Michigan to protect and preserve your vehicle for as long as possible. 

Classic vehicle drivers should opt for classic car insurance rather than standard insurance. While standard insurance policies are optimal for safeguarding contemporary vehicles, these policies are not designed for classics. It’s better to choose a classic auto insurer because they can offer more appropriate coverage at more affordable prices. 

Here at Classic Auto Insurance, we provide our clients with custom policies that address their vehicles’ unique needs. We’ll even work with you to determine your classic vehicle’s value coverage. Our policies also include top-tier benefits, such as inflation guard, rollover miles, pet injury, and trip interruption. Further, you can add on reliable nationwide roadside assistance with guaranteed flatbed towing.

Vehicles We Can Cover

It’s important to find the most suitable classic car insurance company for your historic ride. 

At Classic Auto, we offer robust custom insurance policies for many types of vehicles, including:

• Antique Cars: Antique vehicles are over 25 years old, and they must be fully restored and operational to be considered antiques. Classic Auto offers coverage for a wide range of different types of antique cars. 

• Luxury Cars: Luxury vehicles boast style and status while often providing drivers with impressive comfort and performance. A few notable luxury brands we protect include Aston Martin, Bentley, BMW, Mercedes-Benz, and Rolls Royce. 

• Classic Trucks: We protect both restored and modified classic trucks. Some especially impressive classic trucks include the F100, Ford Bronco, and the Chevy C10. 

• Muscle Cars: Classic muscle cars offer head-turning performances and iconic body styles. Make sure to preserve your Mustang, Corvette, Pontiac GTO, Trans-Am, or another muscle car with classic insurance. 

• Vintage Cars: Vintage vehicles date back to the early 20th century. Some iconic vintage cars include the Ford Model T, Rolls Royce Phantom, Ford Model A, and Oldsmobile Roadster. 

You can get premium protection with Classic Auto Insurance regardless of what kind of classic vehicle you have. We also provide exceptional insurance coverage for exotic cars, collector cars, high-performance cars, hot rods, and modified cars.  

Common Myths About Classic Car Insurance

Collectors need to obtain classic car insurance in Michigan, but many opt for standard insurance instead. Sometimes, motorists fail to get proper coverage due to misconceptions about classic vehicle insurance. 

Let’s unpack and debunk some of these common myths:

Myth #1. You Can’t Drive Your Vehicle If You Have Classic Insurance

Some drivers are under the incorrect impression that you cannot operate your collector vehicle if you get classic vehicle insurance. You may think your classic must reside in storage or a showroom if it’s protected by classic insurance. 

Fortunately, this is not the case when you purchase Michigan classic car insurance – with Classic Auto Insurance, you have every right to cruise around in your cherished vehicle. You won’t risk losing your classic insurance coverage by driving. After all, classic vehicles are meant to be enjoyed. You can drive your beauty on the open road, or you can show it off at a classic car show or another event.

The likely reason why many believe this myth is because classic auto insurers offer mileage packages. This differs from standard insurance policies, which have no mileage limits. While obtaining a mileage package may sound undesirable, limiting the number of miles enables classic insurers to offer more affordable premiums. 

At Classic Auto Insurance, we offer three mileage plans for enjoying your ride: 1,000, 3,000, and 6,000. You have every right to drive around and enjoy these miles however you like. With our plans, you can even roll over your miles to the next year if you don’t use them all. 

Myth #2. Classic Insurance Is as Expensive as Regular Insurance

Contrary to this myth, classic car insurance is typically less expensive than regular insurance. As we discussed in Myth #1, classic insurance companies can offer more affordable premiums because the policies limit the number of miles a motorist can drive. Classic insurers know that collectors are less likely to crash their classics because the vehicles aren’t on the road as frequently. 

As a classic car custodian, you likely don’t use your collector vehicle for everyday errands, such as going to work and grocery shopping. You probably only drive your vehicle occasionally, perhaps to Cars and Coffee events and car shows. You’re less likely to get into an accident in your classic vehicle because it’s on the road less frequently. This reduced risk means more affordable premiums compared to standard insurance. 

Myth #3. You Need an Appraisal to Obtain Classic Car Insurance

With standard insurance, insurance companies determine a vehicle’s worth based on its depreciation and market value. It’s challenging for these insurers to determine the value of a classic vehicle, as they often appreciate. Further, the classic’s exact worth will depend on many unique factors, such as its rarity, authenticity, and upkeep. 

Due to the difficult nature of estimating a classic’s value, many believe that getting an appraisal is a requirement for obtaining classic insurance. At Classic Auto, we do not require our clients to get official appraisals for their vehicles. Instead, we’ll determine your car’s worth based on agreed-upon value. 

Agreed-upon value coverage allows you to collaborate with our team to estimate your vehicle’s worth. At Classic Auto, we’ll build your policy around this agreed-upon value. If you ever total your classic, you’ll receive the full agreed-upon amount minus your deductible. 

The Process of Filing a Claim with Classic Car Insurance

If you’re ever involved in an accident, you’ll need to notify your insurance company. You may also need to file a claim to receive reimbursement for your property damage. 

Here are the steps to filing a claim after a traffic accident:

• Record the damage: Take pictures and videos of your crashed vehicle and any other vehicles that were involved. You should also record any factors that may have contributed to your wreck, such as road and weather conditions. 
• Exchange insurance information: You’ll need to exchange insurance and contact information with other drivers involved in the accident. 
• Talk to eyewitnesses: Speak with anyone who saw the collision occur. Their firsthand accounts can be valuable if there’s a liability dispute. Write down their names and phone numbers. 
• Tell your insurer: You should notify your classic insurer about the accident, as this will initiate the claims process. When you notify your insurer, you’ll need to give details about the crash, such as the events leading up to the collision, the location, and the date. Also, provide any documents and files that are relevant to your accident, like photos and eyewitness testimony. 
• Comply with your insurance company: Your insurance company will likely request further information about your accident. They may also need to inspect your vehicle to determine your compensation for repairs. 
• Use a classic repair shop: While some classic vehicles are new enough to only require standard repairs, older and more obscure cars may need specialized repairs. For instance, if you own a classic Thunderbird, you would likely want to find a repair shop that has experience with classic Ford cars. Some classic car repair shops may also help you track down authentic replacement parts. Additionally, make sure to keep track of all of your receipts and expenses for your claim. 
• Submit your insurance claim: Include all relevant documents and information when submitting your claim. You should submit details about the accident, photos and videos, the other driver’s information, eyewitness information, receipts, estimates, and anything else that may be pertinent.

Michigan Classic Car Useful Links

With its lengthy history in the automotive world, it’s not surprising that Michigan offers classic motor enthusiasts many exciting events and opportunities. These events are great opportunities for connecting with other classic owners, and you can showcase your stunning piece of motor history. 

Some of Michigan’s most notable car events include the Michigan International Auto Show, Autorama, and the Michigan Antique Festivals Car Show. There are also many Cars and Coffee events, such as the Cars and Coffee Grand Rapids, M1 Cars and Coffee, and Southwest Michigan Cars & Coffee. You can view a complete list of classic car events in Michigan here. 

Michigan is also home to first-rate classic car auctions, including Rowley Auctions, Greater Detroit Auto Auction, Motor City Auto Auction, and America’s Auto Auction West Michigan. You could find your next classic beauty at one of these thrilling and enjoyable auctions. 

Contact Classic Auto Insurance for Classic Car Insurance in Michigan

If you’re looking for protective and affordable classic auto insurance in Michigan, you can count on Classic Auto Insurance for exceptional coverage. We’ll work with you to craft a tailored policy that’s perfect for your classic beauty. 

You can learn more about how Classic Auto can protect your classic ride for years to come by calling 888-901-1338. You can also request an instant quote online here.