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What are the requirements for classic car insurance?
Generally, to get insurance for classic, collector, vintage, and antique cars or trucks, you need to park your vehicle in a garage, use it as an extra car—not your daily vehicle—and keep it in good working condition. The rundown of some requirements to qualify
Only for occasional use: You can take your car out for pleasure driving and use it for exhibitions, tours, etc., but it can’t be your daily driver.
Must have adequate storage: Enclosed structures are preferred, such as a private garage or storage unit, but carports, driveways, and other storage areas may also qualify.
No serious driving infractions: In many states, you may not qualify for classic auto insurance if you’ve had excessive speeding violations, reckless driving, and other serious infractions in the last three years.
Must have an insured daily driver: All household members with a driver’s license need a regular-use vehicle, and you must also maintain a regular insurance policy for your primary car.
How does classic or collector car insurance differ from regular auto insurance?
One of the key differences between classic and regular car insurance is that a regular policy may cover you only for the actual cash value of your classic car.
What is classic car insurance?
Classic car insurance covers your collectible or antique vehicle, usually up to its agreed value. That means you’re covered up to an amount that you and your classic car insurance company agree on in advance. Since classic cars often increase in value.
How does classic car insurance work?
You’ll be covered when you take your classic car to auto shows and tours, collector vehicle functions, and for occasional pleasure driving. If your vehicle is damaged in a covered incident, your classic car insurer will pay for the repairs or losses up to the limits agreed upon
A new exotic car such as a Ferrari, Lotus, Lamborghini, Bentley, etc.
An older (at least model year 1979) vehicle that is securely stored and not used as primary transportation
A new replica car such as a reproduction Shelby Cobra roadster
A classic military vehicle, hearse, fire truck, amphicar, etc.
Keep in mind, classic car insurance typically covers more than just classic and collectible vehicles. You can also usually insure vintage motorcycles, milk trucks, sport vehicles, kit cars, street rods and all antique including tractors.
Is Your Car Eligible for Antique Car Insurance Coverage?
If you're not sure, these definitions may help:
Classic automobile: A motor vehicle ten or more years old, which is of special historical interest. A classic motor vehicle 25 years old or older is covered as an antique.
Antique automobile: A motor vehicle 25 years old or older.
Here are some important conditions for classic car insurance eligibility:
Your antique or classic car must be used on a very limited basis, such as exhibitions, club activities, and parades or similar events. You need to have restored, maintained, or preserved your antique or classic car or it must be actively undergoing restoration.
How do I know if classic insurance is right for my vehicle?
You may want to get a collector vehicle insurance quote if your car, truck or motorcycle is...
Do I need insurance on my classic car?
Auto insurance is mandated in all states except New Hampshire (if you cause an accident, New Hampshire still requires financial responsibility), so you will need liability coverage if you plan on driving your classic or collectible car. Driving without insurance could result in a fine or license suspension, so make sure you’re covered
Collector’s Auto Insurance Coverage
Whether you lovingly rebuilt your antique auto or classic car from the ground up or you bought a perfectly restored showpiece. It's your passion, your pride and joy. Goods Insured can help protect it.
Is Your Car Eligible for Antique Car Insurance Coverage?
Available Coverages
Liability
Medical Payments/No Fault
Comprehensive
Collision
Uninsured Motor Vehicle/Underinsured Motor Vehicle
Emergency Road Service
Death, Dismemberment and Loss of Sight
Loss of Earnings
NOTE: This is only a general description of available coverages and is not a statement of contract. All coverages are subject to policy provisions and applicable endorsements.
Why classic car insurance differs from regular auto insurance
Your regular auto policy may not cover you for the actual value of your classic car. your pride and joy. Goods Insured can help protect it.