Driving My Classic Car in Utah – What to Know Before You Go

For classic car owners who plan to traverse the highways and byways of Sandy, UT, it’s important to comprehend the state rules that govern classic cars and understand what is necessary before taking the wheel. With assistance from Christensen Insurance Group, we can steer you in the right direction.

Rules of the Road

In Utah, a vehicle sporting a vintage vehicle tag is regarded as a collector’s item. These classic vehicles serve not as daily commuters, but as decoratives for shows, special events, parades, and similar activities. A classic car with a vintage plate must be at least 30 years old.

Should you drive a classic car and be stopped by police for any reason, Utah law necessitates that the driver provide proof that the vehicle is properly insured.

Emissions Tests

Classic vehicles from the year 1982 and older are exempt from emissions inspections. However, for models built in 1993 or later, Utah mandates either insurance specific to collector vehicles or proof that an emission inspection was conducted on the vehicle.

Insurance Coverage

Like modern vehicles, classic cars in Utah need liability insurance before they can be driven. The coverage covers injuries sustained by one person or multiple persons and property damages incurred per accident.

When securing classic car insurance, factors such as the age of the vehicle, whether it is used for leisurely drives rather than being the primary vehicle, and the overall value of the vehicle being insured need to be taken into account, but depreciation is not a factor to consider.

Contact Christensen Insurance Group

At Christensen Insurance Group, we understand what it takes to protect a classic vehicle. Reach out to our team for more details about driving in Sandy, UT.

Classic cars are more than just vehicles. For many people, classic cars are an essential hobby and passion. Hobbies are always more fun when you share them with others who share that passion. At Christensen Insurance Group, we help classic car enthusiasts in Sandy, UT, and the surrounding areas, make the most of classic car ownership. Keep reading to learn how to connect with other classic car enthusiasts. 

Car Shows

Car shows are by far one of the easiest and funniest ways to connect with other car enthusiasts. Car shows are held in a variety of locations all over the United States. You can check with your local community when car shows are scheduled. When visiting car shows, don’t be shy. There is nothing car enthusiasts like to talk about more than their cars, so go on up to car owners and ask questions, compliment their ride, and make a new friend. They will probably also be able to tell you about upcoming events. 

Expos

Expos are a little different than car shows because an Expo is usually put on by an organized group marketing certain things. An Expo is still a great way to learn new things about classic car ownership and meet others who are interested in these same things you are interested in. 

Online

Online communities are also a wonderful place to meet people with similar interests. Thousands of online groups, social media groups, and websites are dedicated to classic cars. You can start conversations and even get in on meet-ups with others interested in classic cars. 

If you’d like to learn about classic car insurance, please contact us at Christensen Insurance Group, serving Sandy, UT, and the surrounding areas.

Almost everyone likes to drive a classic car on occasion. The feel of the steering, the way the engine purrs when you give it gas, the way the leather smells when you first get it. It feels almost magical, like something from a bygone era, but it’s still a car and can get you from point A to point B.

Classic car owners in Sandy, UT often ask themselves if they should take out a standard insurance policy on their vintage car. Christensen Insurance Group has the experience and expertise to answer that question.

The Difference Between Vintage Car Insurance and Standard Auto Insurance

When finding the right car insurance policy, classic car owners should remember that there are two main types of car insurance: standard and specialty. Most standard car insurance policies cover the vehicle and the owner for basic loss and damage.

Classic car owners should consider purchasing specialty car insurance, which will provide additional coverage for the vehicle, such as collision, comprehensive, and theft. Some specialty car insurance policies offer a different range for the owner, such as disability and critical injury.

Which Vehicles Qualify As Vintage Cars?

For most people, the first thing that comes to mind when they think of a classic car is a car from the 1950s. However, in Utah, the definition of a "vintage" vehicle is much stricter. The Utah legislature has defined a "vintage" vehicle as any vehicle that is:

• Over 30 years old
• It is not used for general transportation purposes
• It is considered a collector’s item
• It is primarily used for display purposes in clubs, exhibits, parades, and other light uses

Do you own a classic/vintage car in Sandy, UT? Let Christensen Insurance Group help you protect your investment with a customized insurance policy today.

Being an owner of a classic car is a dream for car lovers all over the Sandy, UT area. As you are looking to invest in a classic car, it is also important that you spend time assessing your insurance needs. A form of insurance coverage all people here will need to get is classic car insurance. This coverage should be considered a necessity for classic car owners for a few reasons.

Protect Full Value of Car

A classic car is a unique type of vehicle as it can increase in value over time. When you get a classic car insurance plan, you can ensure that the full value of your car is covered. As you are building your new plan, you are able to work with the insurance provider to come up with a fair level of coverage for your vehicle. 

Receive Appropriate Liability Insurance

No matter what type of vehicle you drive, you will need to carry insurance at all times to comply with your state’s liability insurance requirement. While the standard vehicle may be driven 10,000 miles or more per year, classic car owners drive their vehicle much less. This results in a reduced overall risk. A classic car plan will incorporate your annual mileage when determining a fair premium based on your actual risk. 

Those that are going to own a classic car in the Sandy, UT area will always need to have the right insurance for it. As you are looking for coverage here, the team with  Christensen Insurance Group can help you pick the right plan. This is a unique form of coverage that requires proper consideration. The team with Christensen Insurance Group can help you choose a plan that will properly cover your classic car. 

Residents of Sandy, UT that own classic cars need to know that a classic car insurance policy adequately covers their vehicles. The agents at Christensen Insurance Group can help explain what classic car insurance is and exactly how it works. In many cases, classic cars are not driven on the roads. They are trailered to events and shows, primarily being put on display. The classic car policy you choose will depend greatly on how the vehicle is used and where it is stored.

Replacement Costs

In most cases, classic car insurance policies can be written to cover the cost of replacing the car’s actual value if it is damaged or stolen. This does not cover the cost of one’s personal investment in a vehicle. Classic cars that are rare or that have had an extensive amount of work performed on them may carry an extremely high replacement cost. This may require a specific type of policy to ensure that the investment cost is covered.

Customized Coverage

Cars that have been customized or rebuilt to the exact factory specs can be extremely valuable. In this case, a customized policy may be in order. Customized policies are written on an individual basis to ensure that the vehicle is sufficiently covered if it is damaged or stolen. 

If you want to make sure that your classic car has the coverage it needs, your first call should be to Christensen Insurance Group. The agents at the office work to ensure that the residents in Sandy, UT have the classic car insurance coverage they need at all times. Call the office today and speak with one of our agents!