Classic Car Insurance In South Carolina

Classic cars hold both sentimental and financial value to their owners. Their unique designs, craftsmanship, and historical significance make them more than just ordinary vehicles; they are cherished art and automotive heritage pieces. However, owning and maintaining classic cars also comes with its own challenges, which is where classic car insurance comes into play.

Standard auto insurance policies may not provide adequate coverage for classic cars, considering their rarity, appreciating value, and distinctive maintenance requirements. Classic car insurance is specially designed to address these specific needs and offer appropriate protection for these valuable assets.

At Southern Insurance Group, we understand the passion behind owning a classic car, which is why our experienced agents are dedicated to providing comprehensive and affordable classic car insurance policies. We work with leading insurers to ensure exclusive coverage tailored to meet your individual needs.

Whether you're looking for basic liability protection or more robust coverage that includes repair costs, and roadside assistance, we can help you design the perfect policy. Our team of knowledgeable agents will provide you with the best advice and guide you through every step of the process, so you can rest assured that your classic car is well-protected.



If you're ready to find the right classic car insurance plan, don't wait any longer. Contact Southern Insurance Group today to get started! We'll help you find the best policy that meets your budget and ensure your classic car is fully protected.

In South Carolina, Classic Car insurance policies can provide a range of coverage options for vintage vehicles. 

a) Liability Coverage – Liability coverage is designed to provide protection in the event that you are responsible for an accident involving property damage or bodily injury. This type of coverage may also pay out if another person makes a legal claim against you as the result of an accident. 

b) Medical Payments/No-Fault – This coverage pays for medical costs or death benefits resulting from an accident, regardless of who is at fault.

c) Collision Coverage – Collision coverage provides protection in the event that your classic car is damaged in an accident. The amount of coverage offered will depend on the value of the vehicle and the deductible you choose. 

d) Comprehensive Coverage – Comprehensive coverage protects against any physical damage to your classic car that is not caused by an accident, such as theft, vandalism, or fire.

e) Uninsured/Underinsured Motorist Coverage – Uninsured/underinsured motorist coverage provides protection from the risk of being in an accident with someone who does not have adequate insurance or no insurance at all. 

f) Emergency Road Service – Emergency road service coverage pays for towing services, flat tire changes, and the delivery of fuel if your classic car breaks down.

Classic car insurance differs from regular auto insurance in South Carolina and other states due to the unique characteristics of classic and vintage vehicles. Here are some key differences:

1. Vehicle Qualification: Classic car insurance is specifically designed for vehicles that are considered "classic" or "antique." In South Carolina, a classic car is generally defined as a vehicle that is at least 15 years old and has a value greater than its original selling price. Regular auto insurance covers modern vehicles that are typically used for daily commuting and regular transportation.
2. Valuation: Classic car insurance often uses an agreed-upon value or an appraisal to determine the vehicle's worth. This is because the value of classic cars can appreciate over time, while regular auto insurance typically uses the actual cash value (ACV) or the replacement cost of a modern vehicle.
3. Usage Restrictions: Classic car insurance may come with certain usage restrictions. For example, some policies may limit the number of miles you can drive your classic car each year. These restrictions are in place because classic cars are often considered collector's items and are not intended for everyday use.
4. Coverage for Customizations: Classic car insurance policies may include coverage for customizations and modifications made to the vehicle, such as vintage parts, custom paint, or special features. Regular auto insurance may not provide coverage for aftermarket modifications.
5. Salvage Value: Regular auto insurance may consider a vehicle as a total loss if the repair costs exceed a certain percentage of its actual cash value. However, with classic car insurance, the insurer may consider preserving and restoring the vehicle to maintain its historical and collectible value, even after an accident.

It's essential to carefully read and understand the terms and conditions of any insurance policy before purchasing coverage for your classic car in South Carolina or any other state.

The average cost of classic car insurance in South Carolina is $50 a month. That's much more affordable compared to standard car insurance. Your specific coverage rates will depend on several factors which include:

• The age and type of classic car - The older and more valuable your classic car is, the higher the insurance premiums will be due to added risk factors. 
• Your driving history - If you have had any accidents or tickets, you can expect to pay more for a classic car policy than someone with a clean record.
• The type of coverage – Some classic car policies may offer basic coverage, such as liability and collision, while other policies may include additional features, such as gap insurance or roadside assistance. The more comprehensive the policy is, the higher the premiums will be. 
• Agreed value or stated value – Agreed value is the coverage your classic car will receive if it is totaled in an accident. On the other hand, the stated value pays out a percentage of the insured vehicle's current market value. 
• Your Location - Depending on where you live in South Carolina, the cost of your classic car insurance may vary. Generally speaking, rural areas tend to have lower rates than more populated cities. 
• Deductibles - The deductible is the amount of money you must pay out of pocket before your insurance coverage kicks in. Generally, the higher the deductible, the lower your premiums will be.

By understanding all of these factors that determine auto insurance premiums, you can better understand how much you might pay for classic car insurance in South Carolina. 

If you are a collector of vintage vehicles, it may be worth investing in an antique auto insurance policy to protect your prized possessions. Many insurers, such as Southern Insurance Group, specializing in classic cars, will have more knowledge and expertise in crafting a suitable policy that meets all your needs.

In South Carolina, classic car insurance offers a variety of coverage options tailored to meet the unique needs of vintage auto owners. With so many policies and providers available, it can be hard to choose the best option for you. Here are some tips to help you get the most out of your classic car insurance:

• Compare rates among different companies – Comparing quotes from multiple insurers is a great way to get the best possible deal on your classic car insurance. Be sure to look at different coverage levels and other features, such as roadside assistance or custom parts coverage.
• Consider additional discounts – Many insurers offer discounts for things like participating in safe driving courses, taking defensive driving classes, or being a member of certain organizations. Make sure you ask about any discounts that may be available to you.
• Bundle policies – If you have multiple cars, it may be possible to bundle all of your policies together with one provider. For instance, you can combine classic car insurance with your motorcycle insurance or home insurance to save money and make managing all of your policies simpler.
• Ask about coverage options – Not all auto insurance companies offer classic car policies, so it’s essential to ask about coverage options when shopping for auto insurance. Also, read the fine print carefully; some insurers offer classic car policies that may not provide all the coverage you need.
• Take care of your classic car – Regular maintenance and repairs can help keep your classic car running smoothly, which could save you money on auto insurance. Be sure to follow the manufacturer’s recommended service schedule for your vehicle, and always keep up with any necessary oil changes or tune-ups. This will not only help keep your vehicle in top condition, but it could also save you money on auto insurance over the long-term. 

The surest way to find the right coverage for your classic car is to contact a trusted insurer with experience customizing classic car insurance policies. With the right policy, you can enjoy peace of mind knowing that your vintage auto is protected no matter where you go.

When it’s time to shop for classic car insurance, make sure to find a knowledgeable agent that specializes in classic cars and has the experience to help you get the best policy at an affordable price. 

At Southern Insurance Group, we have years of expertise in crafting custom classic car policies for collectors throughout South Carolina. We understand the unique needs of older vehicles and will work closely with you to protect your classic car. 



Contact us today for a free quote on classic car insurance in South Carolina.