Click to CallManaging auto insurance for more than one classic car isn’t just a paperwork question. It’s really about how each vehicle fits into your life. Collectors range from people with two weekend cruisers to those with carefully maintained garages full of restorations. Because of that range, the way coverage is set up can vary quite a bit.
How Multiple Classic Cars Are Usually Handled
Classic cars in Oklahoma are typically insured under collector or antique auto policies rather than standard auto insurance through Vance Insurance Group LLC, serving Oklahoma City, OK. These policies recognize that classic vehicles aren’t daily transportation. When someone owns multiple classics, insurers often allow them to be grouped together under a single policy framework, with each vehicle listed separately. This setup works well when the cars share similar storage conditions, usage limits, and ownership.
When One Policy Often Works Well
A single policy is commonly used when all vehicles are owned by the same person, kept at the same address, and driven in similar ways. Cars that are mainly used for car shows, club events, parades, or occasional leisure drives usually fit neatly into one arrangement. Oklahoma law supports this structure as long as each vehicle is properly registered and operated in compliance with state requirements.
When Separate Policies May Be Necessary
Separate policies can make sense when vehicles don’t share the same circumstances. A classic stored at a second property, a vehicle driven more frequently, or a car owned by a business entity rather than an individual may need its own policy. Differences in storage, use, or ownership can affect how coverage should be written and reviewed.
If you own more than one classic car, it’s worth taking time to review how each one is insured. Contact Vance Insurance Group LLC, serving Oklahoma City, OK, today to learn more.
