Owning and driving a classic car in Denver, CO, is more than a hobby, it’s an investment that is not always easily replaceable. If you own a classic car, you may be wondering if you need specialty insurance for your classic car, even during the off-season. At AFI Insurance, we work with clients who need specialty insurance year-round, even if they’ve just purchased a classic car for the first time.

Why Standard Policies Aren’t Enough

Standard automobile insurance policies are designed for everyday vehicles, not collectibles or classic cars. Custom and classic cars gain value over time, whereas traditional standard cars lose value. A standard policy pays out actual cash value, or what the car is currently worth, minus depreciation. That may leave you with a payout that is far less than what you would need to replace your car.

Tailored Insurance Solutions

We recommend specialty insurance for the best results anytime you file a claim. Whether you’ve invested in upgraded suspension, aftermarket performance parts, or a custom paint job, these elements can be considered to find the right specialty insurance policy fo ryour situation. With specialty insurance, you can also consider flexible usage and storage coverage, depending on how frequently you drive your car during the year.

Caring for your classic or collectible car during each season is crucial. At AFI Insurance, serving Denver, CO, we’ll work with you to find specialty insurance that fits your needs. To learn more about your options when it comes to protecting your investment, contact us.