Classic & Antique Car Insurance

Classic Car & Collector Vehicle Insurance in Delaware, Maryland & Pennsylvania

Drive your classic with confidence. At Downes Insurance, we provide tailored classic car insurance across Delaware, Maryland, and Pennsylvania—offering agreed-value coverage, flexible usage, and multi-policy savings when bundled with your home or auto.

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Why Choose Specialty Classic Car Insurance?

Standard auto policies aren’t built for collector vehicles. You need coverage that protects your investment, values your restoration, and matches your lifestyle.

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Benefits include:

• Agreed-value protection that pays your car’s full insured value without depreciation

• Coverage for shows, parades, and leisure driving—not daily commuting

• Protection for rare parts, accessories, and trailers

• Discounts when bundled with other insurance policies

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Coverage Options Include:

• Agreed-Value Payouts – No depreciation, full value if totaled

• Comprehensive & Collision – Covers weather damage, theft, vandalism, and accidents

• Liability Insurance – Protects you against third-party injuries and property damage

• Medical Payments – Covers injuries to you or your passengers

• Accessories & Equipment – Tools, trailers, and restoration parts can be added

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Who Qualifies for Classic Car Insurance?

Most vehicles 20 to 25 years or older may qualify if:

• They’re kept in excellent or restored condition

• They are not used as a primary vehicle

• They are stored securely (garage or enclosed storage)

• Usage is limited to hobby, show, or occasional leisure driving

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Whether your vehicle is fully restored or in progress, we can help you protect it.

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Local Service in DE, MD & PA

Our classic car policies are available to residents throughout:

Delaware: Wilmington, Dover, Newark, Milford, Rehoboth Beach
Maryland: Kent Island, Stevensville, Chester, Easton, Annapolis
Pennsylvania: Lancaster, Chester County, West Chester, Kennett Square, Oxford

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Bundle and Save More

Already have your home or auto insurance with us? Add your classic car to unlock multi-policy discounts, streamline billing, and simplify claims.

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Get a Fast, Free Classic Car Insurance Quote

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Our quote process is quick, secure, and no-obligation:

1. Fill out one simple form

2. We compare multiple specialty carriers

3. You receive customized coverage options—no pressure

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Get the peace of mind your classic deserves—insured the right way, with real people who care.

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Why Downes Insurance?

• Independent agency with access to collector-focused carriers

• Personalized, local service in Delaware, Maryland & Pennsylvania

• Experts in agreed-value classic car policies

• Friendly, no-hassle quotes and support

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Preserve your investment and enjoy every ride. Reach out today for your free quote.