Insure Your Dream: Affordable Classic
Car Insurance

If you’re a proud owner of a vintage car, your vehicle is much more than just a mode of transportation, it’s a piece of history. Whether you’ve spent countless hours restoring it or it’s been preserved in pristine condition, a classic car requires special care, and that extends to how you insure it. Standard coverage won’t cut it for your beloved ride, which is why specialized car insurance or collector car coverage is essential. If you’re on the hunt for the most affordable rates on covering your vintage vehicle, our agents will help you find the option that perfectly fits your beauty in the driveway – as well as your wallet.

Your vintage car isn’t just another vehicle on the road. It likely has unique features, rare parts, and a market value that fluctuates based on its condition, model, and demand among collectors. While there are many types of auto insurance—like liability, collision, and comprehensive—regular policies don’t account for these specialized factors. That’s why vintage car coverage is so critical. This coverage is tailored to the needs of vehicles that are older, rare, and not typically driven daily. It takes into account the car’s collectors value and offers coverage that includes specialized repairs and agreed-value policies, ensuring your vehicle is properly protected.

Tailoring Insurance to the Unique Needs of Classics

Vintage vehicles, unlike regular cars, don’t depreciate at the same rate. In fact, many appreciate over time, making it important for car collectors to insure their vehicles at an agreed-upon value. This means the insurer and the car owner agree on the car’s worth when the policy is issued, and that’s the amount the owner will be compensated for in case of a total loss. No depreciation deductions, no arguing over market value later.

Also, most vintage car policies come with flexible repair options, so you can take your vehicle to a specialized mechanic or restoration expert who understands how to work with rare parts. That’s something you simply don’t get with a standard policy.

You might be wondering if your car qualifies for collector car insurance or if you’re eligible for classic car coverage. It’s not always as simple as just owning an older car. Carriers typically have specific criteria for vehicles to qualify as classics or collectibles, and these specifications can vary between insurers.

While the terms “collector” and “classic” are often used interchangeably, there can be slight differences in coverage based on how the insurers categorize your vehicle. Collector car insurance often includes cars that may not meet the age requirements of a “classic” but are still highly sought after by enthusiasts due to their rarity, historical significance, or limited production. Classic car coverage, on the other hand, is typically reserved for vehicles that are at least 20-25 years old and have been maintained or restored to good condition.

Criteria to Consider for Coverage Eligibility

To be eligible for vintage car coverage, insurers will look at several factors. Typically, the vehicle must be at least 20-25 years old, driven less frequently than a daily car, and kept in a secure, locked garage when not in use. Other considerations include:

• Vehicle condition: The car should be in good working order, either fully restored or in the process of being restored.
• Usage restrictions: Most vintage car coverage policies have mileage limitations since these cars aren’t meant to be used for daily commuting. However, they are allowed to be driven to shows, parades, and sometimes even casual weekend drives.
• Driver requirements: Some insurers require drivers to be over a certain age (usually 25) and have a clean driving record.