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Carrie Polk Insurance Inc

3696 Hallowing Point Rd, Suite 5
Prince Frederick, MD 20678

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Don’t Let Your Classics Go Unprotected – Get Classic Car Insurance

Are you a classic car enthusiast? If so, your hobby needs to be properly insured. Carrie Polk Insurance Inc., serving Prince Frederick and Waldorf, MD areas, can provide the protection your classic car needs.

Benefits of Classic Car Insurance

Classic car insurance protects your classic car by providing liability, comprehensive, collision, and other specialized coverage. Antique cars usually increase or maintain their value. Therefore, classic car insurance covers your car up to an agreed-upon value. A regular car insurance policy will not provide as much coverage.

There are certain limitations to classic car insurance, however. Your classic cannot be used for everyday errands or commuting. Your policy may include mileage limitations and proof the classic is being garaged properly. Some insurers may require proof that you own a primary car for everyday use.

For insurance purposes, the age of a classic car is at least 10 years old to 50 years old. For registration purposes, it needs to be kept in its original condition and design. The term “classic car” includes antique, vintage, and collector vehicles, such as trucks and tractors. It basically depends on the definition used by your state, insurance company, or car collecting club, as each may have its own rules regarding vehicle age.

For an automotive lover, one way to diversify an investment portfolio is to begin a classic car collection. Almost all cars lose value as soon as they are driven off the dealer’s lot. Classic cars, however, gain value over time because of their performance, rarity, or special features.

As far as insurance cost, in general, auto insurance is cheaper for older cars. A car depreciates in value as time goes on, which lowers the amount the insurer would pay in the event of an accident.

Reach Out To Us

To obtain a free quote on insuring your collectible, contact the professionals at Carrie Polk Insurance Inc. today. We serve the Prince Frederick and Waldorf, MD areas

Servicing States

  • Maryland
  • Washington DC
  • Virginia


Partner Carriers

  • Agency Insurance Company (AIC)
  • American Modern Insurance Group
  • Chesapeake Employers
  • Farmers of Salem
  • Hagerty
  • Maryland Auto Insurance Fund
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • Travelers
  • USLI