About Insuring Your Classic Car

If you are anticipating the purchase of a classic car, and you live in Lincoln, NE, you will want to know what the state requires. With help from our team of experienced agents at Brokers Insurance Agency, we’ll explain what you need to have that satisfies the state while keeping your investment protected.

Nebraska Requirements for Classic Car Insurance

Along with standard state liability requirements by the state, a classic car policy also has the following requirements in place. Additional vehicle requirements include vehicle requirements, usage and storage requirements, and driver requirements.

Vehicle Requirements

Requirements for the classic car include its age, which is generally 25 years old. There are specialty insurance policies that consider a car a classic if they are 10 to 20 years old and have the potential to become a collectible in the future. The car must be in its good original condition, well-maintained, or have been restored. It can have minimal modifications. Cars that have been heavily modified usually aren’t eligible for classic car coverage.

Requirements for Usage and Storage

Your classic car can only be driven minimally. It cannot be your main or only source of transportation. There is typically an annual mileage range imposed. The car must be stored in a private garage or storage unit that is fully enclosed and can be locked securely.

Driver Requirements

Drivers must be at a minimum of 25 years old, have a range of 5 to 10 years of legally licensed driving, and have a clean driving record.

Contact Us

With one call to us at Brokers Insurance Agency, we can answer any questions about the requirements and the benefits of having your Lincoln, NE, classic car insured. Call us directly or fill out our online form to contact an agent. We make it easy to get your vintage car the coverage it needs.