Classic Car Insurance in Michigan

We at Agency Advantage Insurance in West Bloomfield, MI are classic car insurance experts. If you own a classic car or truck, we'll walk you through the Michigan regulations for owning and insuring it, and help you choose the best, most affordable insurance coverage for your lovingly restored vehicle.

What is a Classic Car?

In Michigan, as in most states, a vehicle is a classic if it is at least 15 years old. It's often a second vehicle ‐ that is, not the car used as your primary mode of transportation, and is usually garaged when not in use.

Michigan also has an alternate designation for historical vehicles. These, at least 26 years old, are only driven for historical purposes, such as car shows and parades, and are considered collector's items by their owners. The State of Michigan Department of Motor Vehicles issues historical plates for this latter category, which prevents their legal use as everyday vehicles.

How Does Classic Car Insurance Coverage Differ from the Standard?

We at Agency Advantage Insurance can insure your classic car for far less than the cost of keeping your primary vehicle on the road. In general, the insurance premium on a classic car or truck will be only one-third or even one-fourth of what you'll pay for the car you drive to work every day.

There are two reasons for this hefty discount:

• Your classic is driven fewer miles ‐ generally, less in a year
• You determine your classic's value. Unlike your new car ‐ whose lender requires full coverage at market value ‐ you can decide to cover your classic for an amount that you and your Agency Advantage Insurance agent agree on or opt for the stated value of repairing or replacing it.
• We at Agency Advantage Insurance in West Bloomfield, MI know you love your classic car. We're committed to getting you the smartest coverage for your beauty at the best price. Talk with our agents to learn how to get started and to find out if you meet the requirements for your vehicle.

We at Agency Advantage Insurance in West Bloomfield, MI know you love your classic car. We're committed to getting you the smartest coverage for your beauty at the best price. Talk with our agents to learn how to get started and to find out if you meet the requirements for your vehicle.