Classic Car Insurance in Lynchburg, VA for True Collectors

Coverage That Respects the Car You’ve Built

A collector car isn’t just transportation—it’s time, value, and pride. At Hedges Insurance Agency, we help protect your vintage vehicle with classic car insurance in Lynchburg, VA designed for real-world collectors. Whether it’s a Sunday driver or a fully restored showpiece, we match you with policies based on actual value, usage, and storage—not standard depreciation.

Silver classic Aston Martin DB5 car, front view, chrome details, orange indicator lights.
Couple eating outside van with dog. Van has open door with lights.

Coverage Designed for Collector Vehicles

Unlike standard auto insurance, classic policies often include agreed value coverage, limited use protection, restoration coverage, and spare parts reimbursement. We work with specialty insurers who understand what makes a car collectible—and what it takes to insure it properly.

Do You Need a Classic Policy?

If your car is at least 10–25 years old, in good or excellent condition, not your daily driver, and properly stored, it may qualify for collector insurance. We’ll help you determine eligibility and explain how classic car coverage compares to traditional auto policies.

Who We Insure

We’ve helped insure antique trucks, muscle cars, vintage sports cars, and restored American classics across Central Virginia. Whether your car is stored in a garage in Forest or displayed in weekend shows across the Blue Ridge region, we can help you find protection that reflects its true worth.

Frequently Asked Questions About Classic Car Insurance

  • How old does a car have to be for classic car insurance?

    It varies by insurer, but most classic policies start with vehicles that are 10 to 25 years old and in excellent condition. Some carriers require cars to be rare, limited production, or historically significant.

  • What is agreed value coverage?

    Agreed value means you and the insurer agree upfront on what the car is worth. If the car is totaled, you receive that amount without depreciation, assuming the policy is in good standing.

  • Can I drive my classic car daily?

    Classic car insurance typically limits use to occasional driving, such as shows, parades, or leisure drives. Daily use may disqualify the vehicle or raise the premium significantly.

  • Does classic car insurance cost less than regular auto insurance?

    In many cases, yes—especially since the car isn’t driven daily. Because risk exposure is lower, rates are often more affordable than standard auto policies, despite the vehicle’s value.

  • Is storage location important for classic car coverage?

    Yes. Most carriers require garage storage or covered protection when not in use. Let us know your setup and we’ll walk through your options.

Protect the Vehicle You’ve Invested In

From chrome bumpers to custom upholstery, every detail matters—and your policy should reflect that. Let’s make sure your coverage lives up to the car you’ve built or restored.