Nikki Farag Agency
Call Anytime 310-390-4500
Nikki Farag Agency
Call Anytime 310-390-4500
Owning a classic car in Los Angeles is about more than just transportation — it’s about preserving a piece of automotive history. At Nikki Farag Insurance Agency, we understand the unique value of your vintage vehicle and offer specialized coverage tailored to protect it. Whether you take your classic out for weekend cruises or keep it as a collector’s item, we’ll help ensure it’s covered with policies that reflect its true worth.
Our classic car insurance options include agreed value coverage, spare parts protection, and flexible usage limits, giving you peace of mind every time you turn the key.
There’s no single definition of a classic car—different car clubs, states, and insurance companies all use their own criteria. However, most begin with age: vehicles that are 20 to 25 years old are generally considered classic. Older cars may fall into the vintage or antique category.
What sets classic, vintage, or antique cars apart is their unique value. It could be a limited production model, a rare feature, or a meticulously restored condition. As the Insurance Information Institute (III) says, these are “no ordinary cars.” That’s why they require specialized insurance tailored to their distinct needs.
The biggest difference is how your car’s value is protected. With classic car insurance, you can insure your vehicle for its full agreed value—a number you and your insurer decide on based on factors like purchase price, restoration work, and customization. In contrast, standard auto insurance only covers the car’s depreciated value, which drops over time due to age, mileage, and wear.
While a new car begins to lose value the moment it leaves the lot, a classic car can actually appreciate. If it’s totaled, classic car insurance pays the full agreed-upon amount—with no depreciation. Plus, since these vehicles are typically low mileage, premiums can be lower, and Farmers® classic car coverage offers expert service, claims support, and roadside assistance tailored to collector vehicles.
Insurance companies differ in how they define eligibility for classic car coverage, but according to the Insurance Information Institute (III), most look for the following key criteria:
Classic car insurance is intended for vehicles driven occasionally—not for commuting or daily errands. Most policies include annual mileage limits, usually between 2,500 and 5,000 miles, and may require proof that you own a separate vehicle for everyday use. These restrictions help preserve the car’s condition and keep insurance costs lower.
Driving your classic car to car shows or auto club gatherings is generally allowed, but some insurers may include specific conditions or offer specialized coverage for these events. If you plan to take your classic on frequent, long-distance trips, the Insurance Information Institute (III) advises selecting a policy that explicitly covers extended, high-mileage use.
Your classic car should be stored in a secure, locked garage or dedicated storage facility to protect it from theft, vandalism, and weather damage—many insurers require this as part of your coverage and may offer lower premiums for climate-controlled or monitored storage. Proper storage is a key part of preserving your investment.
At Nikki Farag Insurance Agency, we understand that a classic car isn’t just a vehicle — it’s a passion, an investment, and a piece of history. That’s why we’re committed to helping you protect it with coverage that’s as unique as your car. Whether you’re cruising the coast or showcasing at local events, we’ll help you build a policy that fits your needs and gives you peace of mind.
Nikki Farag
Farmers Insurance Agency Owner
License 4247364
At Nikki Farag Insurance Agency, our clients are at the heart of everything we do. From personalized guidance to reliable coverage, we’re proud to earn the trust of families and business owners across Greater Los Angeles. Here’s what some of our customers have shared about their experience working with us.
Reviews
Nikki and her team are absolutely fantastic. I’ve been with them for both my auto and home insurance for years, and they’ve always been incredibly responsive and helpful. Whether I need an extra copy of an insurance card, or just have a quick question, they’re always patient and easy to reach. I can’t recommend Nikki enough!
Reviews
I was referred to Nikki by a coworker who’s one of her clients, and I’m so glad I made the switch. I moved all of my policies over from State Farm because I really value the personalized service Nikki and her team provide. It’s refreshing to work with someone who takes the time to explain everything and is genuinely invested in helping you. I also love that she’s local—there’s a real sense of connection and trust.
Reviews
Nikki has been our insurance agent for just about a year now and we love the personal service we get with her. We have our home, autos and our landlord policies all with her through Farmers and I would highly recommend her to anyone who is looking for insurance!
Reviews
Amazing service! Got my five work trucks covered and got me a policy for my home insurance. Thank you Nikki you are a pleasure to work with 10/10 would recommend to anyone!!!
Classic car insurance typically covers vehicles that are 20 to 25 years old or older, maintained in good condition, and not used for daily driving. Unique, collectible, or restored vehicles may also qualify.
While definitions can vary, classic cars are usually 20–40 years old, vintage cars are typically from the early 1900s to the 1930s, and antique cars are generally over 45 years old.
No. Classic car insurance is designed for limited use, such as pleasure driving, car shows, and club events—not daily commuting or errands.
Yes. Insurers usually require that you own a separate, regularly used vehicle to qualify for classic car insurance.
Yes. Many policies include or offer optional coverage for spare parts, tools, and accessories related to your classic vehicle.
In many cases, yes. Classic car insurance often allows you to work with specialists who are experienced in restoring vintage and collectible vehicles.