How Is It Different from Standard Auto Insurance?
Classic car insurance carries the same protection that a standard auto insurance policy does. The difference, however, is that there are special factors that affect the premium.
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Value of Your Car
The value of antique cars varies drastically, so your premium depends on its appraisal value.
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Vehicle Use
The frequency of vehicle use has an impact on your premium because the more you use your antique car, the more exposed it is to damage.
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Vehicle Storage
Some insurance providers check where you keep the car when you’re not driving it.
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Vehicle Modifications
The modifications or upgrades on the car should be disclosed to the insurer.
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Driving Record
A better driving record usually leads to lower premiums.
Generally, classic car premiums are lower than standard premiums. However, vintage vehicle owners aren’t safe from overpaying.
By working with Youngs Insurance, you’ll only pay what you need.
Choose a Broker that Specializes in Classic Car Insurance
We Check if Your Car Is Entitled to Classic Car Insurance
With decades of experience in classic car insurance in Ontario, our brokers will determine if your car falls under the antique vehicle category. Insurers usually classify a vehicle as a classic car if manufactured in 1995 or earlier, but we know insurance companies that insure newer models.
We Know Reputable Insurance Providers
Because we’ve been in the industry for decades, we know the insurance companies that offer policies designed for vintage cars — those with agreed-value protection, flatbed roadside assistance protection, and flexible usage protection.
More importantly, we work with insurers with an excellent record of handling claims. You know your vehicle is in good hands.
We Appreciate and Understand Your Vehicle
Our team understands how much your vintage car means to you, and we’re committed to finding the best coverage for it without overpaying.
