Collector Auto Insurance FAQs
Frequently Asked Questions for Collector Auto Insurance
How do I know if my car qualifies for classic car insurance?
There are a few factors that can help determine if your car would be considered a classic car.
In general, your collector vehicle should be:
- At least 25 model years older
- A new exotic car, such as an Aston Martin, Lotus, Alfa Romeo, etc.
- A new replica car, like a 1966 Batmobile
- A classic military vehicle, hearse, fire truck, etc.
Additionally, your vehicle must be used only for exhibitions, club activities, and occasional pleasure/leisure (not primary transportation). It must also be stored in a fully enclosed and locked structure.
Do I need collector auto or classic car insurance?
Yes. If you own a collectible, you need classic car insurance to make sure your vehicle is covered for an agreed value rather than for actual cash value or depreciated value.
How do I know what coverage I need for my classic car?
Here's a few tips to help you get the right coverage for your classic car.
- Explain you have a collectible car when getting a car insurance quote to help make sure you get the coverage you need.
- Be prepared to prove age, pleasure use status, garage housing, and other typical elements of care associated with a collectible car.
- Consider separating your regular car insurance from your collectible policy for more affordable rates. Classic car insurance coverage assumes you have another vehicle, since few collectible cars are used as the primary driving vehicle. Limited driving results in reduced risk.
- Verify that your car is in fact a vintage model*. Older does not necessarily mean it's a vintage model.*
*Your vintage collector car must have been built in 1979 or before.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
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