How to Get Classic Car Insurance in Long Beach

Classic cars are more than just vehiclestheyre rolling pieces of history, symbols of craftsmanship, and often, cherished family heirlooms. Whether you own a 1967 Ford Mustang, a 1955 Chevrolet Bel Air, or a rare European sports car from the 1970s, insuring your classic vehicle requires a specialized approach. Unlike standard auto insurance, classic car insurance in Long Beach is designed to reflect the unique value, usage patterns, and preservation needs of vintage automobiles. Getting the right coverage isnt just about compliance; its about protecting your investment, honoring its legacy, and ensuring peace of mind during parades, shows, and weekend drives along the Pacific Coast Highway.

Long Beach, with its vibrant automotive culture, historic car clubs, and proximity to iconic coastal routes, is a hotspot for classic car enthusiasts. However, navigating the insurance landscape here can be complex. Standard policies often undervalue classic vehicles, exclude agreed-value coverage, or impose restrictive usage limits. This guide walks you through every step of securing the ideal classic car insurance policy in Long Beachtailored to local regulations, market conditions, and the distinct needs of vintage vehicle owners.

Step-by-Step Guide

Step 1: Determine If Your Vehicle Qualifies as a Classic

Before applying for insurance, confirm your vehicle meets the industry definition of a classic. While definitions vary slightly by insurer, most in California classify a classic car as:

• A vehicle that is at least 20 to 25 years old
• Manufactured between 1925 and 1980 (some insurers extend to 1990)
• Maintained in original or restored condition
• Not used for daily commuting or commercial purposes

Some insurers also recognize antique (25+ years) and historic (50+ years) categories. For example, a 1982 Porsche 911 may qualify under some policies, while a 1995 Toyota Supra might not. Always verify your vehicles eligibility with potential insurers before proceeding. Keep your title, registration, and restoration records handythese documents often serve as proof of age and condition.

Step 2: Assess Your Vehicles Value Accurately

One of the most common mistakes classic car owners make is relying on Kelley Blue Book or Edmunds values. These tools are designed for everyday vehicles and often underestimate the true market value of a well-maintained classic. Instead, obtain a professional appraisal from a certified appraiser familiar with vintage vehicles in Southern California.

Appraisals should include:

• Originality of parts and paint
• Restoration quality and documentation
• Market demand for your specific make, model, and year
• Recent auction results for comparable vehicles

Many Long Beach-based appraisers specialize in classic cars and can provide a detailed report suitable for insurance purposes. Some insurers, like Hagerty or Grundy, even offer their own appraisal services or partner with local experts. A documented appraisal is criticalit forms the basis for agreed value coverage, which guarantees youll receive the full appraised amount in the event of a total loss, not a depreciated market value.

Step 3: Research Insurers Specializing in Classic Cars

Not all insurance companies offer classic car policies. Standard providers like State Farm or Allstate may offer limited coverage under collector car endorsements, but they often lack the expertise and flexibility needed for true classics. Focus on insurers that specialize in vintage vehicles, including:

• Hagerty The industry leader, known for agreed-value policies and nationwide coverage
• Grundy Insurance Offers tailored policies with flexible usage terms
• American Modern Strong presence in California with competitive rates
• Chubb High-end coverage for rare and luxury classics
• Classic Auto Insurance (CAI) Local California-focused provider with quick claims processing

Compare each companys offerings: coverage limits, mileage restrictions, storage requirements, and whether they cover spare parts, transportation to shows, or towing for vintage vehicles. Ask about discounts for membership in recognized car clubs like the Classic Car Club of America or the Southern California Classic Car Club.

Step 4: Understand Usage Restrictions and Mileage Limits

Classic car insurance policies come with strict usage rules designed to reduce risk. Most require that the vehicle be driven only for:

• Car shows and exhibitions
• Club events and parades
• Occasional pleasure driving (typically under 5,000 miles per year)
• Transportation to and from maintenance or repair facilities

Driving your classic car daily to work or running errands will void your policy. Some insurers allow up to 10,000 miles annually if you can demonstrate limited use, but exceeding limits may result in denied claims. In Long Beach, where traffic is heavy and parking can be challenging, consider storing your vehicle in a secure, climate-controlled garage when not in use. Many insurers offer premium discounts for secure storage.

Step 5: Gather Required Documentation

To apply for classic car insurance in Long Beach, prepare the following documents:

• Vehicle title and registration (showing ownership and age)
• Professional appraisal report
• Photographs of the vehicle from multiple angles (front, rear, interior, engine bay)
• Proof of a secondary, daily-use vehicle (most insurers require this)
• Proof of membership in a recognized classic car club (optional but recommended)
• Proof of secure storage (e.g., photos of your garage, security system, or storage facility contract)

Some insurers allow you to upload documents directly through their online portals. Others may require a mailed or in-person submission. Keep digital and physical copies of all paperworkit will streamline the application and future claims.

Step 6: Apply for Coverage and Review Policy Terms

Once youve selected your insurer, complete the application. Be transparent about your driving habits, annual mileage, and storage conditions. Misrepresentation can lead to policy cancellation or claim denial.

When reviewing the policy, pay close attention to:

• Agreed Value vs. Stated Value Agreed value is fixed and guaranteed. Stated value is an estimate and may result in a payout below market value.
• Liability Limits California requires minimum liability coverage ($15,000/$30,000/$5,000), but classic car insurers often recommend higher limits ($100,000/$300,000) due to higher repair costs.
• Comprehensive and Collision Essential for protection against theft, fire, weather damage, and accidents.
• Replacement Parts Coverage Does the policy cover original or reproduction parts? Some insurers reimburse for hard-to-find components.
• Geographic Coverage Ensure your policy covers travel to events in neighboring states like Arizona or Nevada, which many Long Beach owners attend.

Ask for a written copy of the policy and read the fine print. Dont hesitate to request clarification on ambiguous terms. A reputable insurer will provide clear, jargon-free explanations.

Step 7: Maintain Your Vehicle and Update Your Policy

Classic car insurance is contingent on proper maintenance. Most policies require:

• Regular servicing by qualified mechanics
• Storage in a locked, dry, and secure facility
• No modifications that alter original design (unless pre-approved)

After any restoration work, notify your insurer. If you upgrade the engine, install a modern sound system, or repaint the vehicle, these changes may affect your coverage. Some insurers offer modified classic policies for upgraded vehicles, but they require additional documentation and may carry higher premiums.

Revisit your policy annually. As your car appreciates in value, update your agreed value to reflect current market conditions. In Long Beach, where demand for certain models (like early BMWs or Japanese sports cars) is rising, underinsuring your vehicle could leave you financially exposed.

Best Practices

1. Always Use Agreed Value Coverage

Never accept stated value or actual cash value policies for your classic car. These payout models factor in depreciation, which is irrelevant for vehicles that appreciate. Agreed value ensures that if your 1969 Dodge Charger is totaled, you receive the full amount you and the insurer agreed upon at policy inceptionnot a fraction based on outdated market data.

2. Store Your Vehicle Properly

Long Beachs coastal humidity and salt air can accelerate corrosion. Store your classic in a climate-controlled garage with dehumidifiers, and use breathable car covers. Avoid parking on concrete without a moisture barrier. Many insurers offer premium discounts of up to 15% for vehicles stored in secure, indoor facilities with alarm systems.

3. Limit Annual Mileage

Even if your policy allows 10,000 miles per year, aim to drive less than 5,000. Lower mileage reduces accident risk and may qualify you for additional discounts. Use your classic car for weekend drives to the beach, car shows in Dana Point, or scenic routes like the Palos Verdes Peninsulanot for commuting or grocery runs.

4. Join a Recognized Car Club

Membership in clubs like the Long Beach Classic Car Club or the California Classic Car Association often qualifies you for insurer discounts. These clubs also provide access to trusted mechanics, restoration resources, and organized events where your vehicle can be safely displayed and driven.

5. Document Everything

Keep a digital album of your vehicles condition, including photos of the engine, interior, chassis, and any restoration work. Record receipts for parts, labor, and storage. In the event of a claim, thorough documentation can expedite processing and ensure you receive full compensation.

6. Avoid Modifications Without Approval

Adding a modern stereo, custom wheels, or a turbocharged engine can void your classic car policy unless pre-approved. If you plan upgrades, consult your insurer first. Some companies offer modified classic coverage with adjusted premiums based on the nature of the changes.

7. Understand Californias Insurance Laws

California requires all registered vehicles to carry liability insurance. However, classic car policies are exempt from some standard requirements, such as mandatory uninsured motorist coverage, if the vehicle is not used for daily transportation. Confirm with your insurer that your policy complies with California Vehicle Code Section 16058 while still providing adequate protection.

8. Plan for Seasonal Use

Many Long Beach owners store their classics during the rainy season (NovemberMarch) and drive them during the dry months. Some insurers allow you to suspend coverage temporarily during storage, reducing premiums. Others offer lay-up policies that maintain comprehensive-only coverage at a lower rate. Ask about these options to save money without sacrificing protection.

Tools and Resources

1. Hagerty Valuation Tool

Hagertys online valuation tool allows you to input your vehicles year, make, model, condition, and location to receive an estimated market value. While not a substitute for a professional appraisal, its an excellent starting point for understanding your cars worth. Visit hagerty.com/valuation.

2. Classic Car Club of America (CCCA)

The CCCA maintains a list of approved classic vehicles and offers membership benefits including insurance discounts, technical advice, and access to national events. Membership costs $75 annually and is recognized by most classic car insurers. Visit ccca.org.

3. Long Beach Classic Car Club

Local to the region, this club hosts monthly meetups, restoration workshops, and the annual Long Beach Classic Car Show. Membership provides networking opportunities and referrals to trusted mechanics and appraisers. Find them on Facebook or visit lbclassiccarclub.org.

4. NADA Guides (Classic & Antique)

NADA offers specialized pricing guides for vintage vehicles. While not as precise as appraisals, NADA data is widely accepted by insurers and lenders. Use their Classic & Antique section to compare values across similar models. Access at nadaguides.com.

5. CARFAX Vehicle History Report

Even for older vehicles, a CARFAX report can reveal past accidents, odometer rollbacks, or title issues that may affect insurability. Purchase a report for $39.99 to ensure your vehicles history is clean before applying for coverage.

6. Local Appraisers in Long Beach

Consider these certified appraisers serving the Long Beach area:

• Classic Car Appraisals of Southern California Based in Lakewood, specializes in 1950s1970s American muscle
• West Coast Auto Appraisals Offers on-site evaluations and court-admissible reports
• Marine & Motor Classic Appraisers Expertise in European classics and rare imports

Always request a written appraisal with photos and a signed statement of value.

7. Insurance Comparison Platforms

Use platforms like insurance.com or policygenius.com to compare classic car insurance quotes from multiple providers. Filter by collector car or classic vehicle to see only relevant options.

8. California DMV Classic Vehicle Registration

Register your classic car with the California DMV as a Historic Vehicle. This requires a one-time fee of $50 and restricts annual mileage to 5,000 miles. Benefits include reduced registration fees and eligibility for special license plates. Apply online at dmv.ca.gov.

Real Examples

Example 1: The 1971 Chevrolet Chevelle SS

John, a Long Beach resident, owns a 1971 Chevelle SS with a 454 V8 engine, restored to factory specifications. He drives it only on weekends and stores it in a climate-controlled garage. He applied for coverage with Hagerty, providing a $68,000 appraisal from a local expert. His policy includes:

• Agreed value of $68,000
• 3,500 annual mileage limit
• Comprehensive and collision coverage
• Reimbursement for original NOS parts
• Discount for CCCA membership

When a hailstorm damaged his cars hood, Hagerty approved a $12,000 repair claim within 72 hours using an authorized classic car body shop in Torrance. John credits his thorough documentation and agreed-value policy for the seamless process.

Example 2: The 1967 Jaguar E-Type

Maria imported a 1967 Jaguar E-Type from the UK and had it fully restored in Pasadena. She applied with Grundy Insurance and was asked to provide proof of secure storage and a detailed restoration log. Her policy includes:

• Agreed value of $95,000
• Global coverage for travel to European events
• Transportation coverage for shipping to shows
• Waiver of mileage limits for approved events

When she transported her E-Type to the Pebble Beach Concours, her trailer was involved in an accident. Grundy covered the full cost of repairs and temporary rental of a similar vehicle while hers was being restored. Her policys global and event-specific provisions made the difference.

Example 3: The 1983 Porsche 911 SC

David purchased a 1983 Porsche 911 SC with 48,000 original miles. He wanted to drive it more frequently than the standard 5,000-mile limit allowed. He contacted American Modern, which offered a Frequent Driver endorsement for $25 extra per month, increasing his limit to 8,000 miles with no penalty. He also added coverage for his original spare wheels and tools, which were stolen during a car show. The claim was paid in full because he had documented the items in his policy inventory.

Example 4: The 1955 Ford Thunderbird

After inheriting a 1955 Thunderbird, Lisa discovered it had been stored in an unheated garage for 15 years. She had it professionally restored and applied for insurance with Classic Auto Insurance. Because she provided before-and-after photos and a restoration invoice, she received a 10% discount on her premium. Her policy also included no depreciation for the original engine, which was rare for its year. When a tree fell on the car during a storm, she received the full $42,000 agreed valueenough to buy another pristine example.

FAQs

Can I insure a classic car with regular auto insurance in Long Beach?

Technically, yesbut its not advisable. Standard policies use market depreciation to determine payouts, which undervalues classic cars. They also often exclude agreed-value coverage, restrict usage too severely, and may not cover original parts. Specialized classic car insurance is designed specifically for vintage vehicles and offers far superior protection.

How much does classic car insurance cost in Long Beach?

Typical annual premiums range from $200 to $800, depending on the vehicles value, age, usage, and storage. A $40,000 1970s muscle car might cost $350/year, while a $150,000 1960s Ferrari could cost $1,200$2,000. Discounts for low mileage, club membership, and secure storage can reduce premiums by 1025%.

Do I need a separate garage to get classic car insurance?

Most insurers require your classic car to be stored in a locked, secure structuresuch as a garage, carport with walls, or climate-controlled storage unit. Outdoor parking, even on private property, usually disqualifies you from coverage. Some insurers accept a locked storage facility if you provide photos and a lease agreement.

Can I drive my classic car to work occasionally?

No. Classic car insurance policies strictly prohibit daily commuting. Even driving to work once a week can be considered a material change in use and may void your policy. You must maintain a separate daily driver.

What if I modify my classic car?

Modifications can affect coverage. Minor upgrades like a modern brake system or GPS tracker are often acceptable. Major changesengine swaps, custom suspension, or aftermarket body kitsrequire pre-approval. Some insurers offer modified classic policies with adjusted premiums. Always notify your insurer before making changes.

Is classic car insurance cheaper than regular insurance?

Yes, often significantly. Because classic cars are driven less, stored securely, and maintained better than daily drivers, insurers assume lower risk. A $50,000 classic car may cost $400/year, while a new $35,000 sedan could cost $1,800/year under standard insurance.

Do I need an appraisal every year?

No, but you should review your agreed value annually. If your cars market value increases due to demand or restoration, update your policy. Some insurers require a new appraisal every three to five years, especially for high-value vehicles.

What happens if I exceed my mileage limit?

Exceeding your annual mileage limit without notifying your insurer can result in claim denial. If you plan to drive more, contact your provider to adjust your policy. Some insurers allow temporary increases for events like rallies or road trips.

Can I insure a kit car or replica in Long Beach?

Yesbut only through select insurers. Companies like Hagerty and Grundy cover replicas if they closely match the original make, model, and year and are built with factory-approved components. Youll need detailed documentation, including build logs and VIN registration with the DMV.

Are there any Long Beach-specific regulations for classic cars?

Long Beach follows California state law, but the city offers special Historic Vehicle license plates and participates in the annual Long Beach Classic Car Show. Registering your car as a historic vehicle with the DMV reduces annual registration fees and allows you to display classic plates. No additional city permits are required for ownership or insurance.

Conclusion

Getting classic car insurance in Long Beach is not a one-size-fits-all process. It demands attention to detail, a clear understanding of your vehicles value, and a commitment to responsible ownership. From selecting the right insurer and securing an accurate appraisal to maintaining your car and adhering to usage guidelines, each step plays a vital role in ensuring your investment is protected.

The automotive heritage of Long Beach is rich and vibrant, and your classic car is a vital part of that legacy. By following the steps outlined in this guideresearching specialized insurers, documenting your vehicles condition, and staying informed about policy termsyoure not just buying insurance; youre preserving history.

Remember: classic cars arent meant to sit idle. Theyre meant to be driven, admired, and sharedwith the right protection in place. Take the time to do it right. Your future selfand your cherished vehiclewill thank you.