When it comes to insuring your cherished classic car, one common question we hear at Lee Insurance Agency LLC in North Carolina is: Does my classic car need to be driven to be insured? It’s a great question — and the answer might surprise you.
Insurance Isn’t Just for Driving
Classic car insurance isn’t limited to vehicles that are regularly on the road. Many policies are specifically designed for cars that are rarely, if ever, driven. Whether your classic car is a garage-kept showpiece or a long-term restoration project, it can still qualify for coverage. What matters most is how the vehicle is used and stored, not how many miles it’s driven each year.
Low Mileage and Proper Storage
Most classic car insurance policies are based on limited use. This means your car doesn’t need to be a daily driver, and in many cases, it can remain undriven while still being insured. Insurance providers often inquire about mileage, storage conditions, and whether the vehicle is displayed at events or shows. Taking steps to maintain and protect your car works in your favor when securing coverage.
Protection While Parked
Even if your classic car never leaves the garage, it’s still vulnerable to risks such as fire, theft, and weather damage. A specialized classic car insurance policy ensures your investment is protected, whether it’s cruising the back roads or safely tucked away under a cover. Standard auto policies may not offer the same level of protection for collectible vehicles.
If you’re looking to insure your classic car — whether it’s driven or not — Lee Insurance Agency LLC in North Carolina is here to help. Contact us today to explore coverage options tailored to your unique vehicle and lifestyle.
