Classic Car Insurance

There are a lot of companies out there offering insurance on all types of vehicles, but not all offer antique, vintage, or classic car insurance.

To come up with an insurance plan you must first figure out what category of auto insurance you fall into.

For example, are you insuring a new vehicle or an old one?

Are you insuring a car or SUV?

These questions are usually pretty straight forward and easy to answer. But how do you define a classic car?

Defining the Classic Car

There are as many different definitions of antique and classic cars as there are insurance agents. The Classic Car Club of America breaks down classic cars into 3 main areas depending on when they were built.

Antique Cars – cars built 25 years or more ago may be considered an antique car.

Classic Cars – are cars which were produced between 1925-1948.

Vintage Cars – originally cars that were produced between 1915-1925. Vintage cars are now being more broadly defined as cars that were manufactured between 1920-1942.

Finding an Agent

Before you purchase classic car insurance for your prized possession, make sure that the insurance agent understands the nuances of a classic car. Don’t assume that your current auto insurance agent knows how to properly insure your highly prized car!

Ask the antique auto insurance agent how they define classic, antique, and vintage cars. Their definition of a classic car may not be the same as yours. Some states and/or agents may require that your car be classified an antique by the DMV prior to setting up classic car insurance.

Ask About Their Coverage

Some coverage options may not be available in all states, so verify that the features are available not only for your car, but in your state as well. Do they have a usage requirement? Meaning can you drive your classic car and if so, how far per year?

Some companies limit driving your classic car to 5,000 miles or less a year. Others require that you car be stored in a locked security controlled garage when not in use.

When you drive your classic car do they cover:

• Bodily Injury and Property Damage Liability
• Uninsured or Underinsured Motorist
• Personal Injury Protection
• Collision Coverage
• Comprehensive Coverage
• Total Loss Coverage

Vehicle Types

Not all insurance agents offer coverage of all types of classic vehicles. Here is a sampling of types of vehicles that may be covered under an antique or classic auto insurance:

• Antique & Classic Vehicles including Trucks and Motorcycles
• Collectible Special Interest and Modern Classics
• Vintage Fire Trucks, Farm Tractors and Military Vehicles
• Street Rods
• Kit Cars
• Replica Vehicles

If you are restoring a classic car make sure that the insurance agent is aware of this, as not all insurance agents will cover the vehicle during the restoration process. Depending on the coverage and age of the vehicle the agent may ask you to have the car appraised to insure that the coverage is adequate.

Enter Your Zip Code Below To Find The Best Car Insurance Rates

In most cases you can find affordable classic car insurance. Make sure to set aside enough time and do your homework. Find an agent that is easy to reach and has been around the classic car insurance industry for some time.