For classic car owners, a vehicle is never just transportation—it’s a passion, an investment, and often a piece of history. During the winter months, many collectors store their vehicles away, assuming insurance can wait until spring. In reality, January is one of the best times to review or secure classic car insurance, ensuring your prized vehicle is fully protected before driving season begins.

Why Standard Auto Insurance Isn’t Enough

Classic and collector vehicles have unique needs that standard auto insurance policies often fail to address. Traditional policies typically base payouts on depreciated value, which may not reflect the true worth of a well-maintained or restored vehicle.

Classic car insurance is designed specifically for collector vehicles, offering protection that aligns with their actual value and limited use.

The Importance of Agreed Value Coverage

One of the most important features of classic car insurance is agreed value coverage. Instead of depreciation, you and the insurer agree on the vehicle’s value upfront. If a covered loss occurs, that agreed amount is paid—no surprises, no disputes.

For vehicles that have been restored, customized, or carefully preserved, this ensures the time, money, and care invested are properly protected.

Limited-Use Policies Built for Collectors

Most classic cars aren’t daily drivers. That’s why classic car insurance often includes limited-use policies, designed for pleasure driving, shows, exhibitions, and special events. These policies typically come with lower premiums while still providing specialized coverage tailored to how collector vehicles are actually used.

January is an ideal time to review mileage limits, storage requirements, and usage guidelines to ensure your policy fits your lifestyle before the season starts.

Why January Is the Smart Time to Review Coverage

Reviewing coverage during the off-season allows you to make thoughtful adjustments without urgency. Whether you’ve completed a restoration, acquired a new vehicle, or haven’t reviewed your policy in years, addressing coverage now helps ensure everything is in place before spring arrives.

Start the Year With Confidence

At Petruzelo Insurance, we work with classic and collector car owners to secure coverage that reflects the true value of their vehicles and their passion behind them.

Protect what you’ve worked so hard to preserve—start the year with classic car insurance built for collectors.