There’s nothing quite like the pride of owning a classic or antique car. Whether it’s a vintage muscle car, a restored pickup, or the cruiser you’ve spent years bringing back to life, these vehicles hold more than monetary value — they carry memories, craftsmanship, and history.

At The Catawba River Insurance Group (The CRIG), we know how important it is to protect these prized possessions. Classic and antique cars require specialized insurance that goes beyond a standard auto policy. Here’s what North Carolina drivers should know when choosing coverage for their vintage vehicles.

Why Classic & Antique Cars Need Special Insurance

Traditional auto insurance is designed for everyday vehicles that depreciate over time. But classic and antique cars often increase in value, and they’re typically driven less frequently. Specialized coverage helps account for these differences by offering:

• Agreed Value Coverage: You and your insurance carrier agree upfront on what the vehicle is worth — so there’s no depreciation and no surprises if you experience a total loss.
• Lower Premiums: Since classic cars are usually driven less, premiums are often more affordable than standard auto insurance.
• Restoration Coverage: Helps protect your investment if your vehicle is being rebuilt, stored, or transported.

What Classic Car Insurance Typically Covers

Specialty auto policies provide protection tailored to the unique needs of vintage vehicles, including:

• Liability coverage for damage or injuries you may cause while driving
• Comprehensive & Collision for damage caused by accidents, weather, theft, or vandalism
• Spare parts coverage for rare or hard-to-find components
• Roadside assistance packages designed specifically for classic vehicles

Who Qualifies for Classic or Antique Auto Insurance?

Eligibility can vary, but many carriers require:

• The vehicle to be at least 20–25 years old (depending on the insurer)
• Limited mileage or “pleasure use” only
• Secure indoor storage, like a garage
• Evidence of another primary-use vehicle for everyday driving

If your car is fully restored, undergoing restoration, or used only for shows and parades, you’re likely a strong candidate for specialty insurance.

Benefits of Working With a Local Independent Agency

As a North Carolina-based independent insurance agency, The CRIG works with multiple top insurance carriers, giving you competitive options and guidance tailored to your vehicle’s value, condition, and usage. Whether you're cruising around Hickory, showcasing at a local car event, or taking a scenic weekend drive through the mountains, our team is here to help you stay protected.

Let’s Protect Your Piece of History

Your classic car deserves coverage that respects its true value — financial and sentimental. We're here to walk you through your options and help you find a policy that fits your needs.

Call us at (828) 324-1600 or visit thecrig.com to get started with a quote.