Classic Car Insurance: What You Need to Know

As the proud new owner of a classic car in Wheat Ridge, CO, it’s important to understand the state’s requirements for your vehicle to be classified as a classic, as well as the type of insurance coverage you’ll need. At CO Insurance Specialist, our agents are here to guide you through the process and help you explore your insurance options.

Colorado Classic Car Requirements

Before insuring your classic car, you’ll need to register it, which requires proof of insurance. The Colorado DMV website or your local vehicle registration office is an excellent resource for up-to-date information on the state’s requirements. These include:

• Completing an initial emissions test (if applicable).
• Ensuring the vehicle’s age qualifies it for a classic license plate.
• Providing proof (DR 2839 form) that the car will not exceed the state’s yearly mileage limit of 4,500 miles.

Specialized Insurance for Classic Cars

Classic cars require specialized insurance coverage rather than a standard auto policy. A classic car policy offers unique benefits, such as:

• Paying the agreed value of the vehicle instead of the current market rate.
• Roadside assistance coverage.
• Coverage for spare parts needed for repairs.
• Lower premiums for vehicles with limited mileage.

Contact Us for Expert Assistance

If you’re planning to participate in events in and around Wheat Ridge, CO, let CO Insurance Specialist ensure you have the right coverage for your classic car. Contact us today via email or phone, and we’ll help you get your classic car ready for new and exciting adventures.