Whether you require traditional auto insurance or classic auto insurance will depend on how you use your vehicle, what kind of protection you’re seeking, and how it’s stored. Choosing the right type of insurance can often lead to better coverage and lower premiums. If you’re a driver in Matthews, NC, JC Demo Insurance Group can help you find the auto insurance policy that best fits your needs.

When Classic Auto Insurance Makes Sense

You should consider classic auto insurance if your car:

• Is between 20-25+ years old
• Is well-maintained or restored
• Is driven occasionally, not as your primary vehicle
• Is stored in a secured facility or garage
• Is used for leisure drives, parades, or shows

Advantages of Classic Auto Insurance

• Agreed value coverage upfront
• Specialized coverage for restoration and spare parts
• Reduced premiums due to limited usage

When Traditional Auto Insurance Is the Better Option

Traditional auto insurance is ideal for vehicles driven regularly, regardless of make or model. You’ll likely need traditional auto insurance if:

• You use your vehicle for daily errands or commuting
• The vehicle has high annual mileage
• It’s parked outdoors or in public areas
• You rely on it as your primary mode of transportation

Can a Vehicle Qualify for Both?

Yes, some vehicles may qualify for both types of insurance. For example, this may apply to:

• Modified vehicles
• Newer "future classic" vehicles
• Older cars that are driven frequently, even if they are collectible vehicles

Understanding the differences between traditional and classic auto insurance can help you make informed decisions when insuring your vehicle. Even if you’re a collector, the right insurance can make all the difference. If you’re located in Matthews, NC, JC Demo Insurance Group can assist you. To learn more about your options, contact us today for a quote and consultation.