Can I bundle classic car insurance?

Complete Guide to Bundling Classic Car Insurance

Why This Question Matters for Colorado and Utah Residents

Classic and collector cars are a point of pride for many in Colorado and Utah—whether stored in a Fort Collins garage or cruised on scenic Utah weekends. Bundling insurance is one of the most common ways residents save—Coloradoans save 11–26% on average when bundling home and auto. But rare, vintage, or collector vehicles introduce unique risks and policy needs.

• Unique Risks in CO & UT: Hail storms (7+ days per year in Larimer County), theft during car events, and wildfire threats can impact classic vehicles differently than daily drivers.
• Specialized Coverage Needs: Classic cars typically require "agreed value" coverage, spare parts protection, and limited mileage—features not always offered by standard home/auto bundlers but essential for proper protection.
• Complicated Bundling Discounts: Mainstream carriers may allow you to bundle a classic, but bundle discounts (averaging $250–$600 annually) are usually optimized for modern cars and may not include essential classic car protections.

What Most People Get Wrong

It’s a common misconception that classic cars can be bundled like any ordinary vehicle with your home and regular auto. In Colorado especially, where classic cars are frequent visitors at summer shows and exposed to sudden hail or theft, this can lead to critical coverage gaps.

Many residents assume that all policies offer the "agreed value" payout needed to protect a classic’s real worth, but most standard bundle policies default to "actual cash value"—meaning depreciation could seriously reduce your claim payout. Insurers’ definitions of a "classic" also vary, so it’s important to confirm eligibility and features before binding coverage.

The Complete Picture

Bundling classic car insurance in Colorado or Utah is technically possible, especially with major carriers, but the best coverage for classics often comes through specialist providers such as Hagerty or Grundy, who rarely offer home and auto bundling but include tailored coverage like agreed value, coverage for spare parts, and even inflation protection. Premiums for classic car policies typically range from $250 to $1,000+ per year, depending on value and usage.

Colorado’s hail frequency and Utah’s summer event circuit mean storage options, event participation, and region-specific exclusions matter. Mainstream insurer bundles may offer convenience and some savings, but usually lack the flexibility or depth of protection classic car owners need. Consider all terms carefully—ask about agreed value, spare parts coverage, and what happens if your classic is totaled or stolen at an event. Always get written confirmation of coverage types and exclusions.

Making the Right Decision for Colorado and Utah Residents

Question 1: What are my coverage priorities—convenience, price, or true classic car protection?

Start by deciding what matters most for your classic: Is your top concern saving money, simplifying insurance, or ensuring your rare vehicle is fully covered to its real value?

• If you want maximum convenience, bundling with a mainstream insurer may help—but check if classic car features are included.
• If your priority is specialized protection (agreed value, restoration coverage, event/limited mileage use) and full peace of mind, a stand-alone classic car policy from a specialty provider is often safer—even if it can’t be bundled for a discount.

Question 2: How do regional risks (hail, theft, wildfire) affect my classic car’s exposure?

Colorado’s hail and Utah’s increasing wildfire events put collector cars at higher risk. Review storage requirements and options for temporary event coverage—especially if your vehicle is displayed at car shows in Denver, Fort Collins, Salt Lake, or Park City. Confirm whether your policy offers roadside and spare parts coverage that fits local realities.

Question 3: Am I willing to compromise on specialized coverage for a modest bundle discount?

Sometimes, the annual savings from bundling ($250–$600) are outweighed by the risk of an improperly insured classic. Factor in how much your car’s true value, restoration costs, and potential claims scenarios matter to you—especially in the event of a total loss due to hail or theft. The best strategy is often a combination: Bundle home and modern autos for savings, while securing standalone classic car coverage for maximum protection.