Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 9, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • Antique car owners usually require a different type of car insurance than standard car owners
  • Car between 20 and 45 years old are classic cars
  • Cars aged 45 years and over are antique cars

Owners of antique cars need to look carefully for the right car insurance company as classic cars have much more value than just a blue book value.

The right antique car insurance coverage is critical to protecting your investment.

Ready to compare car insurance quotes? Enter your zip code above to get started for FREE!

Table of Contents

What is an antique car?

A lot of consumers unfamiliar with the classic car and antique car insurance markets often assume these terms both represent the same category of vehicles however according to the Classic Car Club of America older vehicles are defined as follows:

  • Car between 20 and 45 years old are CLASSIC cars
  • Cars aged 45 years and over are ANTIQUE cars

Regardless of what category your car fits into any owner of a collector car must pay particular attention to finding a car insurance company who understands the vintage car insurance market and provides coverage worthy of your investment.

The world’s largest vintage car insurance company is the Hagerty Car Insurance Company – read a review of the Hagerty Car Insurance Company here.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Items to Consider When Looking for Antique Car Insurance

As with the purchase of any insurance policy you need to sit down and make a list of the things important to you in terms of coverage and those items which may help you get lower car insurance rates.

Some of the most important things to consider when looking for antique car insurance coverage are:

  • The value of the car. Many times an appraised value will never reflect the true aftermarket value in the collector world so understand how much the car is worth and ensure a replacement value is agreed upon before securing coverage
  • Determine use of the car including how much mileage is expected annually
  • Be able to describe storage details. Is the car in a secure environment or just sitting outside?

Remember those car insurance companies do not expect you to drive classic or antique cars very often so low mileage is sometimes a requirement for the best rates.

Cheap Antique Car Insurance Tips

Always look for companies who specialize in antique car insurance as these companies generally have very different risk models and understand the value of collector cars greater than traditional mainstream car insurance companies.

The Hagerty Car Insurance Company is the largest however even some of the major brands have dedicated departments for antique car insurance so if you are calling around always ask to speak with a representative from the vintage/antique car division.

Check with your homeowner’s insurance and see if an antique car is covered should damage occur on your property (not while driving).

Speak to other collectors and ask about car insurance company referrals and details of the coverage they have. You may be surprised to find a local company who is writing policies for all the members of your car collector club.

Contact national associations such as the Classic Car Club of America and inquire about some potential company recommendations.

There is no doubt every owner of an antique car needs some form of auto insurance coverage but you must have expectations in place and understand the search for antique car insurance may be a little longer than traditional auto insurance.

We can help you find antique car insurance companies – simply enter your zip code below to get started now!

References:

  1. https://classiccars.com/
  2. https://www.hagerty.com/corporate/contact-us
  3. https://www.progressive.com/homeowners/
  4. http://www.classiccarclub.org/