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Do you love the classic car era of the 1950s? Are your interests more towards the dawn of the automobile era like the Model T and Model A? Perhaps you are more interested in 1960s muscle cars or classic luxury cars like Rolls Royce and Bentley? No matter what your niche or the era of your car, you’ll need vintage car insurance to cover your investment. Standard auto insurance policies only work for cars newer than twenty or twenty-five years old and if your vehicle is at the other end of that age group, you will find that the coverage is very limited since the actual value of the insurance for the vehicle is much smaller than what a fully restored collector’s vehicle would be.
There are a number of companies that offer vintage car insurance and none of them are the big insurance giants. You will not be able to go to an insurance website like esurance.com. insureweb.com or insurance.com to compare policies for your collector’s vehicle. You will need to contact the various companies directly to get individual quotes and then manually compare them yourself. Vintage cars generally fall into three categories based on the age of the vehicle. The first category is vehicles over twenty years old. The second category is for vehicles made before 1903 and those made between 1903 and 1933.
Vehicles generally depreciate over time, while vintage cars that are restored or in original condition appreciate over time. Due to this factor, most vintage car insurance policies require a professional appraisal to establish the value of the vehicle. If you transport your vehicle instead of driving it to the shows, there are special policies to cover your vehicle while it is in transit.
You won’t have your regular comprehensive and collision coverage, although there will still be coverage for uninsured/underinsured motorists, as well as property damage, medical coverage, etc. Since the collision will not be able to be estimated due to a lack of available parts, you may find yourself without your old vehicle for months while it is being repaired. If your vehicle is in the gray area around the time that antique car coverage begins and regular auto insurance ends, you may want to go with the more expensive antique auto insurance because even though you can buy the comprehensive replacement insurance With the higher premium for your vehicle, that coverage generally limits you to a comparable new vehicle rather than a fully restored older vehicle.
JC Taylor is a company that offers two types of policies. One is for vehicles 19 and older and covers farm tractors, military vehicles, vintage delivery trucks, and of course, automobiles. The second type of policy covers modified vehicles, including street rods, custom cars, exotics, rare cars, hot rods, replicas, and modified. Your coverage includes the entire United States and will pay “agreed value” based on market conditions and vehicle condition with no deductible in the event of a loss.