What Is Antique Car Insurance
It is doubtful that most car owners have even heard of antique car insurance. Always check this with your car insurance agent before driving the automobile.
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Classic car insurance can also help protect other high-value vehicles such as muscle cars.
What is antique car insurance. Classic car insurance is a special type of policy that helps protect antique or classic cars. GEICO knows that your collector car is. Car insurance is a smart investment for any vintage car owner to make.
State DMVs insurance companies and classic car clubs classify each one differently. Antique car insurance is something that the average driver will ever need for. Defined by many companies as being at least 25 years old and in good working original or original restored condition.
By allowing insurance companies to place restrictions on the amount you can drive the vehicle you can save significant amounts of money. If youre a proud owner of a vintage antique or collectible car you need classic car insurance to protect your beloved investment. Definitions of a classic car can vary but the Insurance Information Institute III says a car is considered a classic when its at least 25 to 30 years old.
So go on and get your vintage insured and better to keep your car safe in the garage till then. Antique car insurance. If a classic car is more than 25 years old its considered an antique car for insurance purposes.
If your car doesnt qualify for classic auto insurance a standard auto insurance policy may be a better option for you. 1 But when shopping for classic car insurancesometimes called collector car insurancean insurers definition is the only one that really matters. A vehicle 25 or more years old that has historic interest.
Classic or antique vehicle insurance is often cheaper than regular car insurance because you are not driving the vehicle regularly in most cases. Full Agreed Value Guaranteed No Deductible in Most States Full Comprehensive and Collision Liability With Limits Up To 1000000 UninsuredUnderinsured Motorist State Required PIP As Medical Benefits Inflation Guard Value Protection Spare Parts Inventory Coverage up to 500 Trip Interruption up to 600 Towing and Labor up to 250 Automatic Coverage on Newly Acquired Vehicles Uninterrupted. A vehicle 10 to 24 years old that has historic interest eg a hot rod or muscle car.
And some classifications overlap between classics and antiques. Unless you own an antique automobile or have thought about purchasing one you have probably never considered the unique circumstances such a vehicle presents. But as with many subjects in the motoring world not everyone can agree on a single definition.
Insuring an antique car muscle car or collector cars doesnt have to be an expensive proposition. Some providers will require the antique car owner to have an additional vehicle that is a daily driver and regular car insurance. However some organizations consider vehicles 25 years or.
This will not only keep your mind at peace but also save you a fortune over time. Generally to get insurance for classic collector vintage and antique cars or trucks your vehicle needs to be parked in a garage used as an extra car and not your daily vehicle and kept in good working condition. In order to obtain antique car coverage antique car owners must be at least 25 years old and have a clean driving record.
A motor vehicle that is 25 or more years old and is maintained primarily for use in exhibitions club activities parades and other functions of public interest and. Your antique car is a beauty and you take a lot of pride in it. Antique auto insurance gives you extra protection for your prized vehicle.
Most auto insurers define a classic car as between 10 and 20 years old and antique or vintage cars to be older. In some states an antique car only needs to be at least 20 years old while the Antique Automobile Club of America regards a car that is at least 45 years old to be antique. For additional info money-saving tips and.
Not everyone can purchase antique car insurance. Be prepared to document the condition and cash value of the car and spare parts with invoices appraisals and photos or video. Whether its a prime spot in your garage or an extra dab of polish on the wheels your collector car deserves extra TLC.
Antique cars are over 45 years old and vintage cars are built between 1919 and 1930. The Insurance Information Institute defines antique and classic cars as vehicles at least 25 years old.
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