Your Guide To Insuring A Collector Vehicle

collector vehicles by era

determining coverage eligibility

factors that determine your premium

antique cars vintage cars classic cars

The cherished ride that you save for car shows and special outings could be eligible for special insurance rates. Insurers know that you treat your collector vehicle with special care and limit the mileage you rack up compared with your everyday car. Coverage options and definitions of what qualifies as a collector

vehicle will vary regionally and among insurance providers. This guide provides some general information to help you know what to expect.

Antique, vintage and classic vehicles often are considered collector vehicles. Here is how AntiqueCar.com classifies these vehicles by era —

but there is no official authority, so check with your local insurance provider for more specific details about coverage.

The following factors might be used to determine whether your vehicle qualifies for a collector car insurance policy. Guidelines vary among insurers:

In addition to shopping around among insurance companies, these factors will help determine how much your premiums are:

The Antique Car Era is defined as 1893 to 1919.

The Vintage Car Era is defined as 1920 to 1945.

The Classic Car Era is defined as 1946 to 1972.

Other vehicles that may qualify for collector auto insurance include kit cars, limited-production models, muscle cars, motorsport

vehicles, street hot rods, and vehicles that are being restored.

• The amount of driving experience of those who will operate the vehicle

• The range of uses, such as weekend cruises, car show appearances, etc.

Car make, model and year

Your past driving record

Vehicle usage

Deductible

• Whether you intend to race the car

• Whether the vehicle is your primary vehicle

• How many miles the vehicle is driven

Coverage limits

Discounts

Appraised value