There is nothing quite like seeing a class car rolling down a city street, especially when it is contrasted by a mass modern vehicles. Antiques exude a class and elegance that are seem to be lacking from most cars manufactured nowadays. This is why it is important to protect and preserve classic cars that have survived the test of time. Many have a special place in history, such as a Ford Model T. If you are fortunate enough to own a classic car, be sure to consider purchasing an insurance policy that will specifically cover your prized vehicle. Vargas & Vargas Insurance in Dorchester, MA will be able to give you more information on classic car insurance and let you know if your car meets the qualifications.

Classic Car Insurance Eligibility

In order to qualify for classic car insurance, your vehicle must meet certain requirements. It can either be classified as a ‘classic car’ or ‘antique car.’ Here are the distinguishing factors between the two categories:

• Classic car – A vehicle that is 10 to 24 years old with historic interest, such as a muscle car or hot rod.
• Antique car – A vehicle that is 25 years or older with historic interest.

Additionally, you must be able to prove that your vehicle will be used on a very limited basis, that it has been preserved in its original condition (or in the process of being restored), and that it will be stored in an enclosed building or storage unit.

Whether your classic car holds sentimental value for you or restoring antique vehicles is a just a hobby, it important to protect its worth. It would be a shame for an unforeseen incident to destroy a piece of history that you hold so dear. Contact Vargas & Vargas Insurance in Dorchester, MA if you are interested in learning more about classic car insurance.

Why have a classic car if you can’t show it off? You may want to take it to a car show or drive it in a parade because letting other people admire your car is part of the fun. But can you let other people drive it too? If there is someone you really trust, you may want to give them the chance to experience the pleasure of operating your vehicle.

If you live in or around the Dorchester, MA area, you can talk to the representatives at Vargas & Vargas Insurance about what your policy can cover. Protecting your investment is important and knowing what is allowed and not allowed is key when cruising in your classic. 

You Can Allow Other Drivers to Operate Your Vehicle

As long as there are no restrictions stated in your contract, you should be able to allow other people to drive your classic car. Your current coverage should protect your guest from any mishaps they may have while driving your vehicle. There are certain restrictions but, as long as the state laws are followed, there should be no foreseeable issues.

The individual must be of age to drive and must have a valid license, with no suspensions or restrictions. Failure to ensure that the driver is eligible to drive can cause you problems if anything happens while the other person is behind the wheel.

A big part of the American automobile experience is independence. Classic cars let you show off your unique style and do things your own way. If you drive a classic car in Dorchester, MA and want to make sure you are getting maximum protection, call Vargas & Vargas Insurance for more information today.