The Ultimate Guide to Classic Car Insurance in Saint Peters, MO: What You Need to Know

If you’re a classic car owner or enthusiast in Saint Peters, MO, you understand that classic cars are more than just vehicles; they’re pieces of history and works of art. Unlike regular cars, classic cars require specialized insurance coverage to protect their unique value. In this comprehensive guide, we’ll explore everything you need to know about classic car insurance in Saint Peters, MO, including its requirements, coverage options, pricing factors, and more.

classic american muscle cars white and red

What is Classic Car Insurance?

Classic car insurance is a specialized insurance policy designed to protect classic, antique, vintage, and collectible vehicles. These policies are tailored to meet the specific needs of classic car owners, providing coverage that standard auto insurance policies may not offer.

Requirements for Classic Car Insurance in Saint Peters, MO

To qualify for classic car insurance in Saint Peters, MO, vehicles typically need to meet certain criteria, which may vary depending on the insurance provider. However, some common requirements include:

  1. Age of the Vehicle: Most insurance companies require the vehicle to be at least 20 to 25 years old.
  2. Limited Use: Classic car insurance often requires that the vehicle is not used as a primary mode of transportation and is driven less frequently than a regular vehicle.
  3. Storage: The vehicle may need to be stored in a secure, climate-controlled environment when not in use.
  4. Condition: The vehicle must be well-maintained and in good condition.
  5. Agreed Value: Many classic car insurance policies are based on an “agreed value,” which is the amount you and the insurance company agree upon as the value of the vehicle. This ensures that you can insure your classic car for its true value, which may be higher than its actual cash value.
1967 dodge challenger black

Difference Between Classic and Regular Auto Insurance

The main difference between classic car insurance and regular auto insurance lies in how the value of the vehicle is determined and the coverage options available. Here are some key distinctions:

  1. Agreed Value: Classic car insurance policies often offer agreed value coverage, which means that in the event of a total loss, you will receive the agreed-upon value of the vehicle, regardless of its actual cash value.
  2. Limited Use: Classic car insurance may restrict the amount of driving you can do with your vehicle, as it is typically not intended for daily use.
  3. Specialized Coverage: Classic car insurance may offer specialized coverage options, such as coverage for spare parts, restoration costs, and more.

What Is Covered by Classic Car Insurance?

Classic car insurance typically provides coverage for:

  1. Damage: Coverage for damage to your vehicle due to accidents, theft, vandalism, and other covered perils.
  2. Liability: Coverage for bodily injury and property damage you may cause to others in an accident.
  3. Medical Payments: Coverage for medical expenses for you and your passengers in the event of an accident.
  4. Uninsured/Underinsured Motorist: Coverage for damages caused by a driver who is uninsured or underinsured.

What Is Not Covered by Classic Car Insurance?

While classic car insurance provides comprehensive coverage, there are some limitations. Typical exclusions may include:

  1. Regular Use: Using the vehicle as a primary mode of transportation.
  2. Racing: Damage that occurs while participating in racing events or competitions.
  3. Commercial Use: Using the vehicle for commercial purposes.
  4. Lack of Maintenance: Damage that results from neglect or lack of maintenance.
old red classic chevy

How Is Classic Car Insurance Priced?

The cost of classic car insurance can vary depending on several factors, including:

  1. Vehicle Value: The agreed value of the vehicle.
  2. Usage: How often and for what purposes the vehicle is driven.
  3. Storage: Where and how the vehicle is stored when not in use.
  4. Driving Record: Your driving history and record.
  5. Location: Where the vehicle is primarily located.
  6. Coverage Limits: The amount of coverage and types of coverage you choose.


Classic car insurance provides specialized coverage for classic, antique, vintage, and collectible vehicles in Saint Peters, MO. By understanding the requirements, coverage options, and pricing factors involved, you can ensure that your classic car is properly protected. If you own a classic car in Saint Peters, MO, consider filling out our form below to start protecting your home and auto today!

Sherry BermanSherry Berman
17:55 08 Dec 22
We just moved over to e3 with Chris Stone, 1 1/2 years ago. Our house flooded during snowmeggedon in Texas last February. The insurance companies were overwhelmed with phone calls from Texas. Our insurance company was not responding to us on a timely basis, and because of the supply chain shortage, we knew we needed to act quickly. Chris knew who to talk to at our insurance company, and was a total advocate for us and made sure that our needs were being taken care of. Our last insurance agent was the advocate for the insurance company, not us. Chris knows the business inside out. He guided us along the process of what to do. e3 represents many different insurance companies, which gives Chris the ability to guide you into the best policy that meets your needs. He explains the insurance lingo in layman terms, and makes sure that you and your family are protected. My husband and I totally trust Chris to give us the best policy with in our budget.
Andy BermanAndy Berman
21:56 07 Dec 22
e3 Insurance and Chris Stone are simply the best!! After experiencing a flood in our house and a total redo necessary, Chris made the experience completely seamless!! There simply is no one better!!
Alex ThipkhosithkunAlex Thipkhosithkun
19:32 03 Nov 22
I can't say enough good things about Chris at e3 Insurance. He really is an expert in his field and was really helpful and thoughtful through my home and car insurance purchasing experience. But it doesn't stop there. Recently, I was facing a relatively stressful plumbing situation with my newly purchased house and after talking to Chris and putting me in contact with the right people, they had someone come out THAT afternoon-- Amazing!
Austin SandozAustin Sandoz
14:45 06 Oct 22
Chris was a client of mine for a long time. When I reached out to get a quote I was blown away. I found out my brand-new 2022 Jeep was severely underinsured and I had little to no protection for my assets.After comparing my old policy side by side with my new policy he was able to quadruple my coverage and protect my assets for LESS than what I was paying before. When it's done right, it's done right.
Sheryl KlousiaSheryl Klousia
14:29 06 Mar 22
Chris has been extremely helpful in finding us great policies for house and car insurance. He reviews our policy yearly to ensure we are getting the best rate and best coverage… and recommends changing when needed. We are very satisfied with his service… he has saved us so much over the 3 years that we have been with him ! So glad we found him. Our kids all use his services also !

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