Q: Can I get classic car insurance without a garage?

Can I get classic car insurance if I don’t have a garage to store my vehicle? Yes — start by contacting insurance companies that specialize in classic car insurance. Companies like Hagerty, State Farm, and Liberty Mutual are familiar with the unique needs of classic car owners, including those without a garage, and offer coverage for classic cars stored in driveways, carports, or rented storage units. Read More: Can you get auto insurance without a title?

Q: How much does classic car insurance cost without a garage?

You could see higher rates if you don’t store your classic auto in a garage, but Safeco and State Farm premiums start under $50 per month. Compare auto insurance rates by state, since coverage and costs will vary by location. For example, classic car values in MD differ from elsewhere on the East Coast, so rates may be higher or lower than classic car insurance in NJ, NY, VA, or DC.

Question 1

Can I get classic car insurance without a garage?

Accepted Answer

Can I get classic car insurance if I don&#8217;t have a garage to store my vehicle? Yes — start by contacting insurance companies that specialize in classic car insurance. Companies like Hagerty, State Farm, and Liberty Mutual are familiar with the unique needs of classic car owners, including those without a garage, and offer coverage for classic cars stored in driveways, carports, or rented storage units.
Read More: Can you get auto insurance without a title?

Question 2

What is garageless classic car insurance?

Accepted Answer

Classic car insurance with no garage is a specialized type of insurance coverage designed for owners of classic cars who do not have access to a traditional garage or storage facility. It provides protection for classic cars that are stored in alternative locations such as driveways, carports, or rented storage units.

Question 3

What is the best company for classic car insurance?

Accepted Answer

Who is the best for classic car insurance? Hagerty and State Farm often have the best auto insurance rates for classic cars. Who competes with Hagerty Insurance? Liberty Mutual is best for those who need more customized policies for car shows and other events.

Question 4

Does Grundy have good classic car insurance without a garage?

Accepted Answer

Grundy has competitive rates and unlimited mileage, but Grundy classic car insurance reviews complain about slow claims processing times. Find the best classic car insurance companies near you by entering your ZIP code into our free comparison tool.

Question 5

How much does classic car insurance cost without a garage?

Accepted Answer

You could see higher rates if you don&#8217;t store your classic auto in a garage, but Safeco and State Farm premiums start under $50 per month. Compare auto insurance rates by state, since coverage and costs will vary by location. For example, classic car values in MD differ from elsewhere on the East Coast, so rates may be higher or lower than classic car insurance in NJ, NY, VA, or DC.

Question 6

Do classic cars need to be garaged?

Accepted Answer

Many companies have garaging requirements for classic insurance policies, but Hagerty, State Farm, and Liberty Mutual have the best classic car insurance with no garage.

Question 7

Why do I need classic car insurance without a garage?

Accepted Answer

If you own a classic car but do not have a garage to store it in, you may be exposed to certain risks that could potentially damage or devalue your vehicle. How do you protect a car without a garage? Garageless classic car insurance offers coverage for risks like theft, vandalism, fire, and weather-related damage, providing financial protection and peace of mind.
Learn More: What documents do you need to get auto insurance?

Question 8

How do I find classic car insurance that doesn&#8217;t require proof of garage storage?

Accepted Answer

To find classic car insurance without a garage requirement, look for companies that offer specialized coverage for classic cars. Hagerty and Grundy classic car insurance are known for offering specialized policies for antique, exotic, and luxury cars. It&#8217;s important to discuss your vehicle&#8217;s value openly with insurance providers to determine eligibility for coverage without a garage.

Question 9

What does classic car insurance typically cover?

Accepted Answer

Classic car insurance with or without a garage typically provides coverage for a range of perils, including theft, vandalism, fire, lightning, hail, windstorm, falling objects, and other weather-related damages. Additionally, it may offer liability coverage in case your classic car causes damage to someone else’s property or injures someone.

Question 10

How do I file a classic car insurance claim?

Accepted Answer

You can file classic auto claims the same as standard insurance claims. Most companies allow claims to be processed online, but specialty insurers may require claims to be filed over the phone due to the unique terms of agreed-value policies. For instance, you would call the Hagerty insurance phone number and file a claim with your agent.
Learn More: How to File an Auto Insurance Claim

Question 11

What are the limitations to classic car insurance?

Accepted Answer

Like any insurance policy, classic car insurance without a garage may have certain limitations and exclusions. Common exclusions include mechanical breakdown, regular wear and tear, damage caused by improper maintenance or modifications, and racing-related incidents. It’s important to carefully review the policy details to understand what is covered and any specific exclusions that may apply.

Question 12

Can I drive my antique auto if I have garageless classic car insurance?

Accepted Answer

Yes, you can typically drive your classic car if you have garageless classic car insurance. However, the policy may have certain restrictions on usage, such as mileage limits or requirements for secure overnight parking. It’s important to review your policy or consult with your insurance provider to understand any specific limitations on driving your classic car.
Read More: Do you need auto insurance if you don&#8217;t drive your car?

Question 13

What are the advantages of choosing agreed value coverage for a classic car?

Accepted Answer

Agreed value coverage is beneficial for classic cars because it allows you to set a pre-determined value for your vehicle with the insurance company. This value is agreed upon by both parties and ensures that in the event of a covered total loss, you will receive the agreed-upon amount, taking into consideration your investment in the vehicle and any modifications. This is especially useful if your classic car doesn&#8217;t have a standard market value.
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