Classic Car Insurance In Waco, Texas

Owning a classic car is more than a hobby—it’s a passion, an investment, and a piece of automotive history. Whether you drive a vintage muscle car, a pristine roadster, or a fully restored antique, protecting your vehicle with the right insurance policy is essential. At Baker & Carey Insurance in Waco, Texas, we specialize in helping classic car owners find coverage that fits both their vehicle’s value and their unique lifestyle.

Why Classic Car Insurance is Different

Unlike standard auto insurance, classic car insurance is designed for vehicles that are not used for daily driving and have a higher collectible or appraised value. These policies consider factors like the car’s condition, mileage limits, usage, and agreed-upon value, rather than depreciated market value. This ensures you’re fully protected if your classic car is ever damaged or totaled.

If you’ve invested time and money into restoring a vehicle or own a rare model that’s appreciated in value, traditional insurance simply won’t provide the coverage you need. That’s why working with an agency that understands the nuances of classic car ownership is so important.

Agreed Value Coverage

One of the key advantages of classic car insurance is the ability to establish an “agreed value” for your vehicle. This means that you and the insurer agree on a fixed value based on appraisal or documentation, and that amount is paid out in the event of a total loss—no depreciation involved.

At Baker & Carey Insurance, we work with you to establish the correct agreed value for your car, whether it’s a limited-production Shelby Mustang or a carefully restored ‘57 Chevy. We also help ensure your documentation is in order, making the claims process faster and smoother if needed.

Coverage Designed for How You Drive

Classic car insurance policies in Waco typically include lower mileage limits and coverage for events like car shows, parades, and hobbyist events. Since these vehicles aren’t used for commuting or everyday errands, they qualify for more favorable rates while still offering robust protection.

We also offer optional coverages like roadside assistance tailored to vintage vehicles, spare parts coverage, and protection during transport or restoration.

Requirements and Eligibility

To qualify for classic car insurance in Texas, your vehicle usually must be at least 20–25 years old, in good condition, and not used as a primary mode of transportation. You must also store the vehicle in a secure garage or facility and maintain a separate daily-use car.

If you’re unsure whether your vehicle qualifies, our team at Baker & Carey Insurance is happy to assess your situation and find a policy that works for you.

Conclusion

Your classic car deserves specialized coverage that reflects its value, usage, and your passion for keeping it in pristine condition. At Baker & Carey Insurance in Waco, we offer tailored classic car insurance policies that provide peace of mind on and off the road. Contact us today to protect your automotive investment with the coverage it deserves.