How to Get Classic Car Insurance in Long Beach

Classic cars are more than just vehicles—they’re rolling pieces of history, symbols of personal passion, and valuable collector’s items. Whether you own a 1967 Ford Mustang, a 1955 Chevrolet Bel Air, or a rare European sports car, insuring your classic vehicle requires a specialized approach. In Long Beach, a city known for its vibrant automotive culture, coastal car shows, and historic cruise nights, securing the right classic car insurance isn’t just a legal formality—it’s a necessity to protect your investment and preserve your automotive legacy.

Unlike standard auto insurance policies, classic car insurance is designed specifically for vehicles that are not used for daily transportation. These policies often offer agreed value coverage, lower premiums, flexible usage terms, and access to specialized repair networks. However, navigating the process in Long Beach can be complex due to local regulations, climate considerations, and the unique demands of Southern California’s car enthusiast community.

This comprehensive guide walks you through every step of obtaining classic car insurance in Long Beach—from understanding eligibility and selecting the right provider to optimizing coverage and avoiding common pitfalls. Whether you’re a first-time classic car owner or a seasoned collector, this tutorial will equip you with the knowledge to make informed, confident decisions that safeguard your vehicle and your peace of mind.

Step-by-Step Guide

Step 1: Determine If Your Vehicle Qualifies as a Classic

Before applying for classic car insurance, you must confirm your vehicle meets the insurer’s definition of a “classic.” Definitions vary slightly between providers, but most in California classify a classic car as:

• A vehicle that is at least 20 to 25 years old
• Owned primarily for exhibitions, club activities, or personal enjoyment—not daily commuting
• In good, restored, or original condition
• Stored in a secure, enclosed location when not in use

Some insurers, like Hagerty and Grundy, also offer “antique” or “vintage” classifications. Vintage typically refers to cars manufactured between 1919 and 1930, while antique covers vehicles over 45 years old. Long Beach insurers often follow these industry standards, so verify your car’s age, model year, and condition before proceeding.

Check your vehicle’s title and registration to confirm the model year. If your car has been significantly modified, some insurers may classify it as a “modified classic” or “hot rod,” which can affect coverage terms and premiums. Be transparent about any alterations during the application process.

Step 2: Assess Your Usage Patterns

Classic car insurance policies are built around limited usage. Most insurers in Long Beach require you to drive your classic vehicle fewer than 5,000 miles per year. Some policies cap usage at 2,500 miles annually. This restriction exists because frequent use increases the risk of accidents and wear, which contradicts the nature of classic car ownership.

Ask yourself:

• Do you drive the car only on weekends or during car shows?
• Is it stored in a garage during the week?
• Do you use it for local cruising events like the Long Beach Cruise Night or the Queen Mary Car Show?

If you use the vehicle for daily commuting, running errands, or long road trips, you may not qualify for a classic policy. In such cases, you might need a standard policy with additional collector endorsements—or consider adding a second daily driver to your household.

Insurers may ask you to sign an annual mileage affidavit. Falsifying this information can result in claim denials or policy cancellation. Be honest and realistic about your driving habits.

Step 3: Gather Required Documentation

Insurance providers in Long Beach require specific documents to approve your classic car policy. Prepare the following before applying:

• Vehicle Title – Must be in your name and show the correct VIN (Vehicle Identification Number).
• Proof of Ownership – Bill of sale, restoration receipts, or auction documentation if the car was recently acquired.
• Photos of the Vehicle – High-resolution images from multiple angles, including the interior, engine bay, and odometer reading. Some insurers require up to 10 photos.
• Proof of Storage – A photo of your garage, carport, or secure storage facility. If you rent a storage unit, provide a lease agreement.
• Driver’s License – All primary and secondary drivers must have valid California licenses.
• Proof of Other Insurance – Most insurers require you to carry liability coverage on your primary vehicle.

For restored vehicles, include restoration invoices and before/after photos. These demonstrate the vehicle’s value and help justify the agreed value coverage amount.

Step 4: Research Specialized Insurers

Not all insurance companies offer classic car policies. In Long Beach, the most reputable providers include:

• Hagerty Insurance – Industry leader specializing in collector vehicles. Offers agreed value coverage, flexible mileage, and access to a nationwide network of approved repair shops.
• Grundy Insurance – Known for comprehensive coverage and quick claim resolution. Strong presence in California with tailored policies for high-value classics.
• American Collectors Insurance – Offers competitive rates and allows up to 10,000 miles annually for qualifying vehicles.
• State Farm Classic Vehicle Endorsement – For those already with State Farm, this add-on can be cost-effective if you qualify.
• Progressive Classic Car Coverage – Available as an endorsement on standard policies, ideal for occasional drivers.

Compare coverage limits, deductibles, and exclusions. Pay attention to:

• Agreed Value vs. Actual Cash Value
• Geographic coverage (does it include trips to Palm Springs or Monterey Car Week?)
• Whether spare parts and restoration labor are covered
• Options for roadside assistance specific to vintage vehicles

Request quotes from at least three providers. Many offer free online estimates with no obligation.

Step 5: Choose Agreed Value Coverage

One of the most critical decisions in securing classic car insurance is selecting the right valuation method:

• Agreed Value – You and the insurer agree on a fixed value upfront. If the car is totaled, you receive that exact amount minus your deductible. This is the gold standard for classic cars.
• Actual Cash Value (ACV) – The insurer determines the car’s value at the time of loss based on market conditions. This often results in lower payouts and is not recommended for classics.

Agreed value eliminates disputes after a loss. For example, if your 1969 Dodge Charger is valued at $85,000 and insured under agreed value, you receive $85,000 minus deductible—even if the market drops due to economic shifts. With ACV, you might receive only $65,000 if similar models sold for less at the time of claim.

To establish agreed value, provide documentation: auction results from Barrett-Jackson or Mecum, listings from Hemmings or ClassicCars.com, and appraisals from certified specialists. In Long Beach, consider hiring a local appraiser familiar with Southern California’s collector market.

Step 6: Add Optional Coverages

Beyond basic liability and comprehensive coverage, consider these enhancements:

• Original Parts Replacement – Ensures repairs use authentic, period-correct components instead of aftermarket substitutes.
• Transportation Coverage – Covers damage during transit to shows, storage, or repair facilities.
• Spares and Accessories – Protects original wheels, radios, dashboards, and tools stored separately.
• Custom Labor Coverage – Pays for skilled labor to restore or repair unique components.
• Guaranteed Replacement – Some insurers offer to replace your classic with an identical model if it’s stolen or destroyed beyond repair.

Ask if the policy includes towing for vintage vehicles. Many standard tow trucks cannot safely handle classic cars, so specialized transport is essential.

Step 7: Complete the Application and Pay Premiums

Once you’ve selected a provider and coverage plan, submit your application. Most insurers in Long Beach allow online applications, but you may be asked to mail documents or schedule a vehicle inspection.

During underwriting, the insurer may:

• Verify your driving record
• Confirm your primary residence is in Long Beach or nearby
• Review your other vehicles and insurance history

Payment options typically include monthly, quarterly, or annual billing. Annual payments often come with a discount. Set up autopay to avoid lapses—gaps in coverage can lead to penalties or loss of eligibility.

Step 8: Maintain Your Policy and Update Information

Classic car insurance requires ongoing attention:

• Report any changes in mileage, storage location, or driver status.
• Notify your insurer if you modify the vehicle—especially engine swaps or custom paint jobs.
• Renew your policy annually and submit updated photos if the car’s appearance changes.
• Keep your vehicle in good condition. Neglect can void coverage.

Some insurers offer loyalty discounts after three years of continuous coverage. Stay engaged with your provider—they may notify you of new benefits or regional events like the Long Beach Grand Prix Classic Car Parade.

Best Practices

Store Your Vehicle Properly

Long Beach’s coastal environment brings salt air, humidity, and occasional fog—all of which can corrode metal, degrade rubber, and damage paint. To meet insurer requirements and protect your investment:

• Store your classic in a climate-controlled garage with dehumidifiers.
• Use breathable car covers—never plastic tarps, which trap moisture.
• Keep the fuel tank at least ¾ full with ethanol-free gasoline and add a stabilizer.
• Start the engine monthly and drive it 10–15 miles to circulate fluids and prevent seal drying.
• Use jack stands to take weight off tires during long-term storage.

Insurers may inspect your storage location. Failure to maintain proper conditions can result in claim denial after water damage or rust-related loss.

Document Everything

Keep a digital and physical file for your classic car:

• Photos from every restoration stage
• Receipts for parts, labor, and detailing
• Service logs with dates and mileage
• Car show awards and magazine features
• Appraisal reports updated every 2–3 years

These documents not only support your agreed value claim but also increase resale value and eligibility for insurance discounts.

Join a Classic Car Club

Many insurers offer premium discounts (up to 10%) for members of recognized clubs like the Classic Car Club of America (CCCA), the Antique Automobile Club of America (AACA), or local Long Beach groups like the Long Beach Cruisers Association.

Club membership demonstrates responsible ownership and often includes access to group insurance rates. Attend club meetings, participate in organized drives, and keep your membership current.

Limit Drivers

Most classic car policies restrict coverage to named drivers only. Avoid adding teenage or inexperienced drivers—even if they’re family members. Insurers view them as high-risk, which can raise premiums or void coverage.

If you have a spouse or partner who occasionally drives the classic, add them as a secondary driver during application. Provide their full driving record to avoid surprises later.

Understand Exclusions

Classic policies often exclude:

• Racing or competitive events
• Use in ride-sharing or commercial services
• Driving outside the U.S. without prior approval
• Damage from improper maintenance

Always read the fine print. If you plan to enter your car in the Long Beach Classic Car Show’s timed run, confirm whether it’s covered under your policy. Some insurers offer event-specific endorsements for a small fee.

Review Coverage Annually

Classic car values fluctuate. A 1971 Porsche 911 that was worth $90,000 in 2020 may be valued at $130,000 in 2024. Review your agreed value each year and adjust your coverage accordingly.

Insurers may automatically renew your policy at the same value, but that could leave you underinsured. Proactively request a re-appraisal if market trends indicate rising values.

Tools and Resources

Online Valuation Tools

Use these trusted platforms to estimate your car’s worth before applying for insurance:

• Hemmings Price Guide – Comprehensive database of classic car values based on condition, rarity, and market trends.
• ClassicCars.com Value Tool – Real-time listings from private sellers and dealers across the U.S.
• Barrett-Jackson Auction Results – Historical sale data for high-end collectibles.
• NADA Guides – Classic & Collector Cars – Industry-standard reference used by lenders and insurers.

Compare multiple sources. A car listed at $75,000 on Hemmings might have sold for $92,000 at a recent auction—use the higher figure to justify agreed value.

Local Long Beach Resources

Take advantage of Southern California’s rich classic car infrastructure:

• Long Beach Auto Show – Held annually at the Long Beach Convention Center. Attend to meet insurers, appraisers, and fellow collectors.
• Queen Mary Car Show – One of the largest free classic car events on the West Coast. Many insurers sponsor this event and offer on-site consultations.
• California Classic Car Appraisers Association – Certified professionals who can provide state-recognized appraisals.
• Long Beach Auto Club – Offers storage recommendations, restoration referrals, and insurance guidance.

Storage and Maintenance Services

Long Beach has several specialized facilities for classic car owners:

• Classic Car Storage of Southern California – Climate-controlled, secure storage with 24/7 monitoring in Lakewood.
• West Coast Classic Car Care – Offers detailing, paint correction, and mechanical services using OEM-spec parts.
• Marine Grade Cover Solutions – Custom-fit, breathable covers designed for coastal climates.

Using these services not only protects your vehicle but may also qualify you for insurance discounts.

Mobile Apps

Manage your classic car ownership digitally:

• Hagerty Drive – Tracks mileage, stores photos, and sends reminders for maintenance and insurance renewal.
• Carfax Classic – Provides vehicle history reports for pre-purchase verification.
• Evernote or Google Keep – Organize digital files: receipts, photos, appraisals, and policy documents.

Real Examples

Example 1: The 1968 Chevrolet Impala SS

John, a Long Beach resident and retired mechanic, owns a 1968 Chevrolet Impala SS in excellent original condition. He drives it only on weekends and to local car shows, logging about 1,800 miles per year. He stores it in his attached garage with a dehumidifier.

John applied with Hagerty and submitted:

• 12 high-res photos of the car
• Original title and bill of sale from 2018
• Appraisal from a certified California classic car specialist
• Proof of membership in the AACA

Hagerty offered an agreed value of $48,000 with $100,000 liability coverage, $500 deductible, and full original parts replacement. Premium: $380 per year—less than 10% of what a standard policy would cost.

Two years later, a tree fell on the car during a storm. Hagerty paid the full $48,000 minus deductible, and John used the funds to restore the roof and paint with original factory color.

Example 2: The 1974 Datsun 240Z

Maria, a software engineer, inherited her grandfather’s 1974 Datsun 240Z. She wanted to restore it and drive it to Monterey Car Week. She applied with Grundy Insurance and disclosed that she planned to drive it up to 4,000 miles annually.

Grundy approved her application but required:

• A signed statement confirming no daily use
• Photos of her secure storage unit in Long Beach
• Proof of liability coverage on her daily driver

She added transportation coverage and original parts replacement. Premium: $520/year. When the car’s original carburetor failed during a road trip to Big Sur, Grundy covered the cost of a factory-rebuilt unit and labor.

Example 3: The 1957 Thunderbird

David bought a 1957 Thunderbird for $65,000 and assumed his standard auto policy would cover it. When a hailstorm damaged the hood and roof, his insurer paid only $32,000—less than half the purchase price—because they used ACV.

David switched to American Collectors Insurance, provided restoration receipts totaling $28,000, and obtained an updated appraisal. He now has agreed value coverage of $93,000. His annual premium is $710, but he sleeps better knowing his investment is protected.

FAQs

Can I insure a classic car that I use occasionally as my primary vehicle?

No. Classic car insurance requires the vehicle to be a secondary or occasional driver. If you use it daily, you must obtain a standard auto policy. Some insurers offer “daily driver classic” endorsements, but these are rare and more expensive.

Does Long Beach require special registration for classic cars?

Yes. California offers a “Historic Vehicle” license plate through the DMV for vehicles 25+ years old. This requires an annual fee and limits usage to 5,000 miles per year. Many classic car insurers require this registration to approve coverage.

Can I get classic car insurance if I’m under 25?

It’s possible but challenging. Most insurers require primary drivers to be at least 25. If you’re younger, you may need a parent or guardian as the primary policyholder, with you listed as a secondary driver. Some companies, like Hagerty, offer policies for drivers as young as 21 with clean records.

What happens if I drive my classic car more than the allowed miles?

Exceeding your mileage limit can void your policy. If you anticipate driving more, contact your insurer to adjust your plan. Some offer annual mileage updates or allow you to pay a small fee to increase your limit.

Is my classic car covered if it’s damaged at a car show?

Yes—if your policy includes comprehensive coverage and the event is not classified as racing or competition. Most insurers cover damage from accidents, theft, or weather during approved events.

Do I need to have other insurance to get classic car coverage?

Yes. Nearly all classic car insurers require you to carry liability insurance on at least one other vehicle you own. This demonstrates you’re a responsible driver with a primary transportation option.

How often should I get my classic car appraised?

Every 2–3 years, or whenever you make significant upgrades. Values change with market demand, and outdated appraisals can lead to underinsurance.

Can I insure a kit car or replica?

Some insurers cover replicas if they closely resemble the original model and use authentic parts. Others classify them as “custom” vehicles, which may require different coverage. Always disclose the build details upfront.

What if my classic car is stolen?

If you have comprehensive coverage and agreed value, you’ll receive the full insured amount minus your deductible. Insurers may require proof of ownership, such as the title and photos, to process the claim.

Are modifications covered?

Minor, period-appropriate modifications (like upgraded brakes or modern radios) are often covered. Major engine swaps, radical body changes, or performance upgrades may require a separate endorsement or result in higher premiums. Always notify your insurer before modifying your vehicle.

Conclusion

Getting classic car insurance in Long Beach is not a one-time transaction—it’s an ongoing commitment to preserving automotive heritage. By following the steps outlined in this guide, you ensure your vehicle is protected with the right coverage, at the right value, and under the right conditions. The coastal climate, vibrant car culture, and high demand for collector vehicles in Southern California make this region both a paradise and a challenge for classic car owners.

Remember: classic car insurance isn’t about minimizing cost—it’s about maximizing protection. Choosing an agreed value policy, storing your car properly, documenting every detail, and working with specialized providers are the pillars of responsible ownership. Whether you’re cruising along the Queen Mary Promenade or displaying your ride at the Long Beach Auto Show, your insurance should reflect the passion and value behind your vehicle.

Take the time to research, compare, and ask questions. Don’t settle for a standard policy that undervalues your car. With the right coverage, your classic vehicle won’t just survive the years—it will thrive as a legacy for generations to come.