Classic & Antique Cars

Antique and vintage cars can be both a rolling work of art and a trip down memory lane. Whether you own an original Model-T Ford, a ’57 Chevy Bel-Air, or a sleek antique Jaguar, your collector car is most likely one of your most prized possessions. You’ll need the right insurance protection to make sure your car is covered, and your investment is safe.

What Kinds of Cars Are Eligible for Collector Car Insurance?

Several types of cars are eligible for car collector insurance. These typically include vintage and antique cars, classics, “modified cars,” and “exotics.”

  • “Vintage or antique” cars are usually at least 20-25 years old. They must be as close to original condition as possible.
  • “Classic” cars are usually between 15 and 20 years old; like antiques, they must also be in original (or near original) condition to be eligible for collector car insurance.
  • “Modified” vehicles are classic cars that have been altered in some way from their original condition. Most carriers allow up to three significant modifications to the vehicle. Any more than that disqualifies the car from vintage car insurance coverage.
  • Exotic” vehicles are typically less than 15 years old, but nevertheless are already beginning to appreciate in value.

What Is Antique Collector Car Insurance?

The main difference between traditional cars and collector cars is that collector cars usually don’t depreciate. In fact, they often increase in value. Moreover, collectors often add customized parts to the vehicle, not to mention hours of time improving the car. 

Thus, collector car insurance must be based on the “agreed value” of the vehicle at the time the policy is issued. The agreed value includes your entire investment in the car.

Moreover, rates for antique collector car insurance are normally cheaper than they are for traditional coverage, since collectors tend to take better care of the vehicle and drive it less than they do a car meant strictly for transportation.

Classic Car Insurance

When you are in an auto accident and are considered the party “at fault,” liability car insurance pays the other parties in the accident when they have been hurt or injured. 

Liability coverage will also pay for the damage to someone else’s if you are deemed responsible.  

When your vehicle has been damaged in a collision, or if it rolls over in an accident, collision coverage pays to repair your vehicle or replace it. 

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