Wheat Ridge, CO motorists who own classic or antique vehicles can choose between two kinds of insurance policies: regular auto insurance or specialized classic car insurance. Before selecting one type of coverage, it’s important to consider the pros and cons of each option carefully.

Why Choose Classic Car Insurance?

A classic vehicle policy provides some unique advantages. It often covers things like original part replacement and repairs performed by specialists. This type of insurance can also cover the value of a car that’s now worth more than its original value. On the other hand, a standard auto policy will insure your vintage vehicle the same way it would cover any used car.

Why Choose Regular Car Insurance?

Nonetheless, there are some advantages to signing up for standard insurance. It has far fewer restrictions. This type of coverage usually doesn’t have mileage limits or require parking the vehicle in a garage. You can commute to work in the car if desired. Also, drivers and vehicles are more likely to qualify for regular auto insurance.

They’re Not Entirely Different

These two options provide some of the same benefits. They both satisfy Colorado’s legal requirement to carry auto insurance. Both types of insurance cover some of the same things, such as liability. With the right policy, you can add coverage of accident damage, theft, and/or natural disasters. Roadside assistance may be included or offered as an optional service.

If you’re ready to insure your vintage vehicle, talk to the experts at CO Insurance Specialist in Wheat Ridge, CO. Our local independent agency benefits from more than three decades of experience. We offer both classic and regular auto coverage. If you have questions or would like to request a quote, please get in touch with CO Insurance Specialist today by calling 720-638-0850.