Owning an antique or classic car is an exciting passion project for many Pennsylvania locals. We at Strock Insurance know that your car is a piece of automotive history and a significant financial investment. Standard auto policies will treat your restored 1969 Mustang the same way they handle a 2005 sedan — as a depreciating asset.
Strock Insurance serves Central Pennsylvania car owners and understands the difference between a used car and a collector’s item. As the best insurance company serving Lebanon, Camp Hill, Harrisburg and surrounding areas, we’ll help you secure classic car insurance that locks in your vehicle’s true value from day one. We’re an independent agency with multiple carriers. We shop top specialized insurers like Erie Insurance, Progressive Insurance and Millville Mutual to find your perfect coverage match.
Beyond Standard Auto Insurance
Standard auto policies use Actual Cash Value (ACV), which pays out the depreciated market rate after a total loss. This leaves classic car owners with pennies on the dollar for their prized vehicles. Your investment deserves better protection.
Classic car insurance provides Agreed Value (AV) coverage that changes everything. You and the insurer agree on your car’s appraised worth up front — no guesswork, no depreciation calculations. If your vehicle is totaled, you receive the full agreed amount with zero depreciation and no haggling over value.
How to Insure an Antique Car or Classic Vehicle
When you insure a unique vehicle, it requires more than a vehicle identification number (VIN) and a credit card. To get the right protection, you need a policy built around your car’s specific classification:
- Vintage trucks: We secure classic pickup insurance that covers bed modifications and hauling gear.
- Modified builds: We document every upgrade so your hotrod or restored and modified vehicle is covered for its completed value, not just the base chassis.
- Works in progress: We set up restoration coverage to protect your investment in parts and labor while the car is still in the shop.
- For the garage: We add riders for spare parts and tools, so your entire hobby is protected.
Our experienced agents can advise you on Pennsylvania’s specific auto insurance requirements and optional coverages that complement your classic car policy.
Eligibility and Usage Rules
When searching for classic car insurance in Pennsylvania, it’s crucial to understand the difference between vehicle classifications. Classic vehicles are typically over 15 years old, restored or well-maintained. Antique vehicles are more than 25 years old with historical significance. To qualify as a lower risk profile, which can translate into significant savings and insurance discounts for responsible classic car owners, you may need to meet specific criteria, such as:
- You must provide secure garage storage for your vehicle
- Your vehicle must have limited use with restricted annual mileage
- You must have an unblemished driving record and another vehicle for regular transportation
Get Started With Classic Car Insurance Today!
Rather than entrusting your prized possession to an algorithm, trust local agents who understand the value of your automotive investment and customize policies for your specific usage. Strock Insurance serves classic car enthusiasts throughout Harrisburg, Camp Hill, Lebanon and the wider Central Pennsylvania area.
Cover more than your car — protect what matters to you — the vehicle’s heritage and your investment. Call us at 717-652-2249 or complete our online form to request a personalized quote and find out more about our insurance options for your classic or antique car.
