Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Mar 31, 2021

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Key takeaways...

  • Vintage car insurance is different insurance for family-style sedans
  • Classic Cars can be also be referred to as Collector Cars or Vintage Automobiles
  • Replacement value is high on the list of needs for a good classic car insurance policy

Vintage automobiles are a car collector’s dream, however, finding the right car insurance company who offers classic car insurance can be a little less dreamy.

As a vintage vehicle owner you need to find a car insurance company who understands the value of your classic car more than the value simply shown on a depreciation schedule.

While it is true that many of the nationwide car insurance companies provide classic car insurance, most of them do not specialize in this product thus your quality of insurance coverage.

Ready to find classic car insurance? Enter your zip code above to get started for FREE!

What is a classic car?

Classic Cars can be also be referred to as Collector Cars or Vintage Automobiles and usually fall in the same custom car insurance policy category as modified cars – such as Muscle Cars, Custom Cars and Street Rod Cars.

Classic car insurance (Vintage Car Insurance) quotes are usually much lower than standard car insurance quotes since most collector car insurance policies involve limited vehicle use.

The main types of car insurance are comprehensive coverage and accident liability.

Almost any classic car owner will tell you money is almost secondary since the rarity of finding a replacement vehicle is few and far between however its still important to carry car insurance for a number of reasons.

Replacement value is high on the list of needs for a good classic car insurance policy, but remember that most classic cars do not have airbags, theft deterrent systems, anti-lock brakes and many of the safety features standard on today’s automobiles.

In the case of an accident, it is entirely possible for an injured parties lawyer to make claims.

You were driving without standard safety features required by today’s law

Having the appropriate classic car insurance policy will help mitigate any potential claims while your family a reasonable level of protection for any or all injuries sustained.

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  1. https://www.nationwide.com/auto-quote.jsp
  2. https://en.wikipedia.org/wiki/Classic_car
  3. https://www.statefarm.com/simple-insights/safety/latest-car-safety-features-becoming-musthaves