PDI CO | Classic Cars

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Classic Cars

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Classic Cars

Owning a classic car isn't just about transportation, it's about maintaining a piece of history and enjoying the thrill of timeless craftsmanship. At PDI CO, we provide specialized classic car insurance for Colorado residents who want their treasured vehicles to have excellent protection. Whether your car is a restored showpiece or a weekend cruiser, our policies are ready to meet your needs.

What Does Classic Car Insurance Cover?

Classic car insurance provides coverage specifically designed for vintage and collectible vehicles. Policies include:

Agreed Value Coverage: Ensures you receive the full insured value in the event of a total loss, based on the car's agreed market value.

Collision Coverage: Covers damage resulting from accidents involving other vehicles or objects.

Comprehensive Coverage: Protects against theft, vandalism, weather events, and non-collision-related damage.

Spare Parts Coverage: Helps replace expensive or unique parts needed for repairs.

Liability Coverage: Covers damages or injuries you may cause while driving your classic car.

How Does Classic Car Insurance Differ from Standard Auto Insurance?

Standard auto insurance policies typically undervalue vintage or collectible vehicles. Classic car insurance, on the other hand, is designed to account for the unique worth, usage, and repair needs of these vehicles. It provides coverage for the agreed-upon value and often includes limitations on mileage and storage to reflect how these cars are typically cared for.

How Does Your Vehicle Qualify as a Classic Car?

To qualify for classic car insurance, your vehicle must meet certain criteria:

Typically, it must be 25 years or older or considered collectible.

Used primarily for car shows, exhibitions, or limited recreational driving, not daily commuting.

Stored securely in a garage or protected environment.

Our team can help determine if your vehicle qualifies for classic car insurance.

Why Choose Classic Car Insurance?

Classic car insurance offers peace of mind and better financial coverage for situations such as:

Accidental damage while showcasing your car or driving it for leisure.

Theft of a rare vehicle or irreplaceable parts.

Unexpected repair costs for specialized or original components.

With a policy that reflects your car's unique value, you'll feel confident knowing it's protected.