How Classic Car Insurance Protects Spare Parts and Accessories

Classic car enthusiasts in and around South Kingstown, RI spend countless hours and resources restoring, maintaining, and customizing their treasured vehicles. These classic cars are often fitted with rare spare parts and unique accessories that enhance their authenticity and performance. This is when classic car insurance becomes beneficial. 

Key Benefits of Classic Car Insurance for Spare Parts and Accessories

  • Spare Parts Coverage: Classic car owners often accumulate a collection of spare parts over the years to ensure the longevity and authenticity of their vehicles. Classic car insurance can cover the cost of these spare parts in the event of loss or damage. This helps maintain the historical accuracy and performance of the car.
  • Accessory Protection: Many classic car enthusiasts invest in unique accessories and add-ons to enhance the appearance and functionality of their vehicles. Classic car insurance can protect these accessories from loss or damage, whether it’s a custom grille, period-correct tires, or vintage interior furnishings.
  • Agreed Value Coverage: Classic car insurance policies often provide agreed value coverage. This means that the insurer and the policyholder agree on the car’s value, considering its condition, rarity, and the value of its spare parts and accessories. In case of a covered loss, the agreed value is the amount paid, ensuring that the total value of the car and its components is protected.
  • Coverage for Theft and Fire: Spare parts and accessories are not only at risk of damage; they can also be targets for theft or affected by fires. Classic car insurance covers these perils, providing the resources to replace or repair the components.

Kingston Insurance Agency LLC Can Help You

At Kingston Insurance Agency LLC, we can help answer questions concerning classic car insurance. We serve the South Kingstown, RI area. Contact us today. 

Why You Need Classic Car Insurance

A classic car is one that may have been built over 30 years ago. For most people who have such kinds of cars, it is most likely that they do not put them to use every single day. Sometimes, the owners may even use them at all, but they may be preserved for sentimental purposes.

Your basic auto insurance in South Kingstown, RI may not serve to cover your classic car, unless it is used as your primary vehicle. We at Kingston Insurance Agency LLC can provide you with specific coverage for your vintage ride. 

Here are some reasons why you need classic car insurance:


A classic car will likely have parts that need repair because it has been used for a long time. Part of the repair may involve purchasing spare parts for the vehicle. Classical car insurance will therefore cover the replacement of spare parts. The insurance will also cover costs that have been incurred in the event of any roadside damage,


A collision between your classic cars is likely to cause damage. The insurance will serve to cover the cost of any repair of damage that your car may have caused to another during an accident.


In the event that your car or property that may have been in the car is stolen, our classic car insurance will reimburse you.

Bodily hurt

When an accident occurs, people who may have been in the car are likely to get physically hurt. It is also possible that you may have hurt a pedestrian. Classical car insurance would give medical coverage for treatment that may not be covered by health insurance.

Get Coverage For Your Classic Car Today

Occurrences like accidents and physical harm to another party are covered by classic car insurance. If you are looking for this coverage in the greater South Kingstown, RI area, contact us at Kingston Insurance Agency LLC today.

Classic Car Insurance FAQ

Getting car insurance for your classic cars is slightly different from a regular vehicle. At Kingston Insurance Agency LLC, serving South Kingstown, RI, we can help you better understand the difference to ensure your classic cars are protected properly. Keep reading to learn more. 

Do Classic Cars Need Special Auto Insurance?

Yes. A classic car is not valued in the same way that a normal vehicle is. This is because there has been more money invested in classic cars. When classic cars are restored, extra expenses need to be taken into consideration for insurance purposes. Once a classic car has been fully restored, its value is determined based on the improvements that have been made as well as the rarity of the car. 

How Do I Find Classic Car Insurance?

You can sit down with one of our representatives to discuss a classic car insurance policy. Our team is trained to understand how these vehicles are valued. They can collect information concerning your particular car and help you establish an insurance value. 

How Much Coverage Do I Need?

The amount of coverage you should purchase for your vehicle will depend on the individual car, its history, the improvements made to it, and how often the vehicle is actually driven. All of these factors will need to be discussed with an insurance agent. Once all of this information has been collected, a policy amount can be determined. 

How Do I Know I’m Getting A Good Deal?

You can talk with other classic car enthusiasts to help you compare rates. Because this is a highly customized type of insurance, you will need to do some research on your own to fully understand how rates vary from company to company. 

If you would like to learn more, please contact us at Kingston Insurance Agency LLC serving South Kingstown, RI and the surrounding areas.