Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: May 29, 2019

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Buying vintage auto insurance is very easy. In fact, it is offered by a variety of different car insurance companies. The most important thing to know about such coverage is that there are a number of variables that must be agreed upon between the car owner and the insurance company in order to avoid costly misunderstandings.

Learning as much as you can about vintage auto insurance coverage is an important first step before you make your purchase.

Get your FREE vintage auto insurance price quotes by putting your ZIP code in the box on this page!

A vintage car is simply a car that was manufactured between 1919 and 1925. This is the definition given by the Classic Car Club of America. However, British standards say that vintage cars include those made up until 1930.

There are also proponents of the idea that vintage cars include those made prior to the beginning of World War II.

When shopping for coverage, be sure that any insurer you are dealing with shares the same definition of vintage auto insurance as you.

Understanding What Sets Vintage Auto Insurance Apart

While traditional car insurance covers your everyday use of your car and focuses on liability, vintage car insurance does not. In fact, such coverage focuses more on protecting your investment in the vehicle 365 days a year.

It does include other important types of coverage like liability car insurance, but these tend to be more limited.

A vintage car owner and the insurance company with which he does business need to agree on the value of the car prior to putting insurance coverage in place.

There are many variables that impact the value of a vintage car, including its condition rating and its rarity. If the insurer and the car owner do not have the same definition of the value of the car, problems can ensue with claims.

The other aspect of coverage that must be agreed upon between the insurer and the owner is the amount and type of usage the vintage car will get. While liability coverage is included on policies for vintage auto insurance, it is adjusted based on the usage of the car.

Insurers expect owners of vintage cars to use them primarily for pleasure driving and not everyday use, such as commuting or running errands. Usually, usage is limited to a pre-set number of miles per year or a pre-set number of days of usage.

Insurers also expect a vintage car owner to take precautions in the care of their vehicle. It should be stored in a closed garage with adequate security precautions.

They also expect such individuals to have at least one other vehicle registered and insured in their name for everyday use.

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Saving on Vintage Auto Insurance

One of the biggest ways to save on your vintage car insurance coverage is to limit the number of miles the vehicle will be driven each year. The more the vehicle is used, the higher the risk of loss.

Another way to keep vintage auto insurance rates down is to be sure to maintain a clean driving record, as you would have to for any type of car insurance coverage.

In order to save on vintage car coverage, you need to shop around for quotes from as many different insurers as possible. As you collect quotes, compare them carefully to be sure you pinpoint the absolute best coverage at the most reasonable price.

Choosing the Best Vintage Auto Insurance Company

Finding the best vintage auto insurance company takes a little work. Start by narrowing down your choices based on price and coverage, and then look at the companies individually.

Be sure to check their financial stability with a firm like A.M. Best, which assigns grades to insurers based on their financial strength. You don’t want to buy coverage from a company that is about to go out of business.

Find out what others say about different insurers of vintage cars. Ask other vintage car owners who they recommend. You can also find out how a company treats its customers by doing an online search.

There are many websites like the Better Business Bureau, which provide you with real reviews from actual clients.

You can learn more about how different companies fare by checking out the annual National Auto Insurance Study compiled by J.D. Power and Associates.

Based on reviews done by real clients, this report takes into consideration multiple factors such as policy offerings, billing and payment, ease of communication with the insurer, and pricing.

Find out about vintage auto insurance costs for your collectible car today by simply plugging your ZIP code in the FREE quote box on this page!

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