Classic Car Insurance in Montana: Modern Coverage for Your Vintage Investment

Your classic car is more than just a vehicle—it’s a labor of love, a piece of history, and a valuable asset that deserves specialized protection. At Summit Insurance, we understand what sets collector cars apart, and we’ll help you find insurance that treats yours with the respect it deserves.

Not all classic or antique vehicles are used the same way, which is why we tailor each policy to fit your unique situation—including how often you drive it, its age, modifications, and how you store it. Our goal? To provide protection that’s as finely tuned as your car itself.  As Detroit natives, we know solid classics when we see them.  Tom lived the Woodward Dream Cruise for decades.

What to Look for in a Montana Classic Car Policy

Agreed Value Coverage

In the event of a total covered loss, you'll receive the full insured amount—no depreciation, no surprises—minus your deductible. It’s a smarter option than “actual cash value” or “stated value” policies offered by some carriers.

Flexible, Affordable Premiums

Since collector cars are typically driven less frequently, you shouldn’t have to pay the same rates as daily drivers. Enjoy lower premiums that reflect your part-time use.

Tailored Coverage Options

From restored hot rods to vintage muscle cars and custom builds, every classic has its own story—and insurance needs. We’ll help you design coverage that fits your car’s specific profile.

Reasonable Mileage Limits

Most classic car policies allow for up to 5,000 miles per year, so you can still take your beauty out for weekend cruises or car shows—without jeopardizing your coverage.

Roadside Assistance for Classics

Breakdowns happen—even to show-quality cars. Make sure your policy includes flatbed towing to a qualified repair facility, no matter where you’re stranded. 

Protect Your Pride and Joy

Whether it’s a Mustang, Camaro, Corvette, T-bird, Charger, or another prized classic, your car deserves the right protection. Summit Insurance works with trusted carriers to provide the best blend of value, service, and specialized coverage.

Let’s talk today about a policy that keeps your collector car safe—on the road and in the garage.

Get a Free Classic Car Insurance Quote