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500 Bic Dr, Suite 102
Milford, CT 06461

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How is classic car insurance different?

Classic cars are loved in Milford, CT. White Oak Insurance LLC wants to make sure every classic and antique owner can keep their favorite vehicle street legal for many years to come. That is why we offer classic car insurance. However, there are many laws and exemptions applying to a classic that are not considered for a regular vehicle. 

Classic cars do not need a title.

Vehicles with a model year over 20 years old are not required to have a title when registering with the Connecticut DMV. In lieu of a title, classic cars need registration from the previous owner. Other prerequisites for registration still apply. This includes having an acceptable form of identification and proof of insurance. 

Some classic cars are exempt from emissions testing.

Vehicles with the model year of 1996 or older are exempt from emissions testing within the state of Connecticut. Likewise, vehicles that are over 10 years old are not required to have a safety inspection. Classic vehicles made after 1996 are still required to undergo emissions testing every two years. 

Classic car value is limited by the state.

Special interest, rare, or antique vehicles cannot be assessed for more than $500 in value. Under this law, any vehicle that is over 20 years old can be considered a classic. Additionally, these vehicles must be considered as being preserved for historic interest. They cannot be altered or modified from the original manufacturer specification. 

Classic cars must be insured.

Every driver must carry liability insurance, even when they are driving a classic or antique vehicle. The state’s financial responsibility laws state drivers must have minimum liability insurance and uninsured motorist insurance. 

White Oak Insurance LLC is the one-stop shop for Milford, CT drivers who need insurance. Contact us today to discover what we can do to protect you and your classic car.

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  • Locally owned and operated
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States Served

  • Connecticut
  • Massachusetts
  • Rhode Island
  • New Hampshire
  • Vermont
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Partner Carriers

  • American Commerce
  • American Modern
  • AmTrust
  • Banner
  • Chubb
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  • Foremost
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  • Hagerty
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  • Harleysville
  • John Hancock
  • Kemper
  • Liberty Mutual
  • Lincoln Life
  • MetLife
  • Narragansett Bay
  • National General
  • National Grange
  • New York life
  • Progressive
  • Prudential
  • Quincy Mutual
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Utica 1st