Insurance for Older Cars

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Many car collectors find vintage auto insurance to protect their collector car. From model Ts to muscle cars, the vintage car insurance policy protects from the woes of the road. Vintage car insurance is different from regular car insurance. We have listed a few ways in which vintage car insurance is different than regular car insurance.

Comparing Vintage Car Insurance to Regular Car Insurance

Insurance for older cars:

• Car must be 15 to 25 years old to qualify for a policy
• Car must be a secondary vehicle, not a primary vehicle
• Vintage vehicle cannot be used commercially
• Special storage regulations may exist
• Only available to cars that appreciate in value

Regular Car Insurance:

• Coverage available to all makes and models
• Coverage available to first and secondary vehicles
• Commercial use of vehicle is OK
• Storage regulations do not exist
• Available to cars that both appreciate and depreciate in value

Cost

The vintage car insurance policy has a significant savings over the regular car insurance policy. It is assumed that the carrier of such a vintage car insurance policy will likely store the vehicle more than drive it, and that storage of the car will be well maintained and free of dangers. This greatly reduces the annual premium of vintage car insurance, bringing it often times below $500 annually.

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