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Best Progressive Classic Car Insurance Review For Vintage Vehicle Lover

Progressive Classic Car Insurance Review For Vintage Belover

A unique aspect of auto insurance is Progressive Classic Car Insurance. Specialized insurance for classic cars and collectibles is provided by this kind of policy. Additionally, Progressive Classic Car Insurance promises to reimburse you for the same amount if your vehicle is declared a total loss. They tailor their policies to your needs.

Progressive Classic Car Insurance Overview

The Progressive Classic Car Insurance program is made to accommodate your preferences and safeguard your antique cars. The business has been established since 1937, providing them nearly 100 years of experience in the vehicle insurance industry. Their individualized policies and service, which reflect this experience, make them a dependable choice.

Additionally, Progressive Classic Car Insurance has won the Fortune Top Companies award three times for best employer. The Progressive Insurance staff is committed and accessible to you around-the-clock. You receive customized insurance from a team that understands your needs and speaks your language.

The following characteristics are what Progressive Classic Car Insurance considers when determining whether or not your car qualifies as a classic:

  • Rarity
  • Unique features
  • Age
  • Limited use
  • Rarity
  • Popularity across generations
  • Availability of parts and services

How does insurance for progressive classic car operate?

Progressive Classic Car Insurance

With the advantage of providing coverage for your vehicle’s agreed worth as well as its specifics, including usage, storage, and more, Progressive Classic Car Insurance functions similarly to a standard auto policy. Similar to auto insurance, you must enter details about yourself and the vintage car you wish to insure while also choosing the coverages that best suit your needs and budget.

When you drive your classic car for occasional pleasure drives as well as for auto exhibitions, tours, and collector vehicle events, your Progressive Classic Car Insurance protects you against property damage and physical injury. Disclaimer Your classic car insurer will cover any losses or repairs up to the policy limits if your car is damaged in a covered incident. On the majority of insurance, deductible-free choices are available.

What coverages are included?

What is often covered by a typical Progressive Classic Car Insurance policy is as follows:

Collision coverage: It pays for damage to your car resulting from an accident for which you are at fault. Medical expenses aren’t covered by this coverage.

Comprehensive insurance: protects your car against harm that wasn’t brought on by another car. This includes burglary, extreme weather, a tree branch or telephone pole falling, etc.

Uninsured motorist protection: If a hit-and-run driver causes an accident, your auto repairs are covered.

Liability for property damage: It includes paying for harm done to another person’s possessions as a result of an accident.

Liability for bodily harm: You are protected in case you injure someone else. If you drive frequently, this service is crucial.

Do I require insurance for my car?

Progressive Classic Car Insurance

Simply said, absolutely. All states, with the exception of New Hampshire (which still mandates financial responsibility), have mandatory auto insurance requirements, so if you intend to drive your vintage or collector automobile, you should have at least liability coverage. Even if you only sometimes take your beautiful classic car for a spin around the block, make sure you have insurance because driving without it might result in a fine or license suspension. In addition, it makes sense to protect the money you’ve spent on your beloved car.

Comparing progressive classic car insurance to regular car insurance

Your progressive classic car may receive some coverage under a standard auto policy. Age, depreciation, and mileage are typically taken into consideration by standard vehicle plans when calculating a car’s value (and, consequently, how much it is covered for). A classic car that has been modified or repaired, however, is probably worth more than its depreciated value. Find a classic car insurer who would cover your vehicle for a value that both of you are comfortable with.

The Pros and Cons


  • A 24-hour operation: You can easily receive coverage because representatives are available to you around-the-clock.
  • Recover your funds: Progressive Classic Car Insurance will reimburse you for the value of your antique car if it is written off.
  • Online portal: With the help of Progressive Insurance’s user-friendly web interface, you can simply manage your policy, submit claims, or request estimates.


  • Limited area of coverage: Progressive doesn’t offer classic car insurance to drivers in New Hampshire.

How is progressive classic car insurance priced?

How is progressive classic car insurance priced?

Your premium for Progressive Classic Car Insurance will vary by insurer and be based on a number of variables. The following are a few of the most important factors that will influence your Progressive Classic Car Insurance premium:

  • Your car’ value: Your car’s age, make, and condition will have a big impact on how much you have to spend for insurance.
  • Location and car storage: Your state of residence and the location of your vehicle storage will always have an impact on the cost of your insurance. It benefits your insurer and is probably beneficial to the cost of your vintage car insurance if you store your antique vehicle in a closed garage or storage facility.
  • How you operate the car: Daily-use vehicles are not intended for classic car insurance, and usage will have an impact on cost. But we can offer protection for a variety of mileage alternatives.

Insurance for vintage vehicles may also be eligible for discounts. Depending on the insurer, you might be eligible for one if you have multiple policies with them, insure more than one classic car, have no recent accidents or claims on your record, have taken a defensive driving course, have installed an anti-theft device in your vehicle, or have comprehensive insurance. You may also be eligible if you have multiple policies with the same insurer.


In summary, your collectable car is covered by liability, comprehensive, collision, and other specialist coverages under progressive classic car insurance. Since the value of antique cars frequently increases or holds steady, progressive classic car insurance usually protects them up to a certain amount; normal auto insurance may not offer the same level of protection. When a car is at least 10 years old and has historical significance, it is frequently referred to as a classic; nevertheless, classic car insurers have their own requirements for inclusion in their program. Age, driving history, experience, and access to another car may all be requirements.

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