Antique & Classic Car Insurance
Classic Car Insurance for California Collectors
Your vintage vehicle deserves more than a standard auto policy. If you own an antique, classic, or collector car in California,
classic car insurance is designed to cover its unique value and limited use. Whether it’s a 1960s muscle car in Pasadena or a restored roadster cruising down the Pacific Coast Highway, Derian Insurance can match you with a policy that fits the way you drive—and protect the full value of your car.
Why Collector Cars Need Specialized Coverage
Unlike regular car insurance, classic car insurance accounts for appreciation, rarity, and careful use. We offer antique auto insurance in Los Angeles and throughout CA that includes:
Agreed Value Coverage
You and the insurer agree on your car’s worth upfront. If totaled, you’re paid that full amount—no depreciation surprises.
Limited-Use Discounts
Most collector policies assume low annual mileage, often under 5,000 miles, which helps keep premiums lower.
Restoration & Spare Parts Protection
Coverage can extend to vehicles undergoing restoration or for spare parts stored offsite.
Cherished Salvage Option
If the car is totaled, some policies allow you to keep the salvage.
Roadside Assistance
Optional programs designed specifically for classic vehicles, with flatbed towing and careful handling.
From show cars in Santa Monica to weekend cruisers in Glendale, we help protect collector vehicles across LA and beyond.
Do You Qualify for Classic Car Coverage?
Most classic car policies come with eligibility rules, such as:
- Having a separate daily-use vehicle
- Clean driving history
- Secure indoor storage (like a garage)
- Limited-use agreement (not for daily driving or rideshare)
We’ll walk you through the requirements and help ensure your vintage car qualifies for a
collector car insurance policy that protects it fully.
Why Choose Derian Insurance for Your Classic
We understand your car isn’t just transportation—it’s your pride and joy. As an independent auto insurance agent in California, we work with leading classic car insurers like Hagerty, Grundy, and others to offer:
Access to specialized carriers with expertise in vintage autos
Personalized support from agents who value your car like you do
Claims assistance that respects your vehicle’s craftsmanship
The ability to choose your preferred repair shop when allowed
Whether you’re in Echo Park or Encino, we bring local knowledge and national carrier access together to protect your classic properly.
Common Questions About Classic Car Insurance
Can I drive my classic car every day?
Most classic policies require limited, pleasure-only use—not daily commuting. If you need regular-use insurance, we’ll find another option.
Is classic car insurance cheaper than standard auto insurance?
Often, yes. Because collector cars are driven less and better maintained, premiums tend to be lower than regular auto coverage.
How is my car’s value determined?
We work with you and the insurer to establish an agreed value based on appraisals, market trends, and restoration records.
Do modifications affect coverage?
Yes—any modifications should be disclosed. Many policies can include custom parts in the agreed value if properly documented.
What if I’m restoring a car?
Some carriers offer coverage during restoration. Let us know your plans and we’ll tailor your protection.
Get a Quote for Classic Car Insurance in CA
Protect your investment with confidence. Whether you’re displaying it at a local car show or storing it for weekend drives, we’ll help you secure the right policy.
Contact Derian Insurance for a personalized classic car insurance quote in California and let us help you cruise into peace of mind.