Classic Car Insurance
There’s a big difference between collector car insurance policies and regular use policies. Generally, the standard car insurance companies have higher rates for collector cars and in the event of an accident or damage to the collector car, it could be under-insured.
Typically, there are some limitations on the collector car such as:
- Mileage Restrictions – Generally, there are yearly or monthly mileage restrictions put on the collector car policy. Many insurance policies may limit owners to driving their vehicles to 2,500 per year or 250 miles per month. Some insurance companies may require yearly odometer readings.
- Age Restrictions - Most collector car insurance policies require a driver to be at least 25 years old, and some 30. In some cases, a minimum of a 10 year driving record which is fairly clean is also required.
- Garage Required - Most insurance policies also require the classic car to be garaged.
- Usage Restrictions - Nearly all collector car insurance policies do not allow classic cars to be used for daily transportation, racing or commercial transportation of goods or passengers.
You made an important choice in selecting your collectible car. Now you need to make just as an important choice in insuring it.
To get a free quote, either complete our online collector car insurance quote form or call us at 800-922-8381.