The cherished ride that you save for car shows and special outings could be eligible for special insurance rates. Insurers know that you treat your collector vehicle with special care and limit the mileage you rack up compared with your everyday car. Coverage options and definitions of what qualifies as a collector vehicle will vary regionally and among insurance providers. This guide provides some general information to help you know what to expect.

1. Your Guide To
Insuring A Collector Vehicle
collector vehicles by era
determining coverage eligibility
factors that determine your premium
antique cars vintage cars classic cars
The cherished ride that you save for car shows and special outings could be
eligible for special insurance rates. Insurers know that you treat your collector
vehicle with special care and limit the mileage you rack up compared with your
everyday car. Coverage options and definitions of what qualifies as a collector
vehicle will vary regionally and among insurance providers. This guide provides
some general information to help you know what to expect.
Antique, vintage and classic vehicles often are considered collector
vehicles. Here is how AntiqueCar.com classifies these vehicles by era —
but there is no official authority, so check with your local insurance
provider for more specific details about coverage.
The following factors might be used to determine whether your vehicle
qualifies for a collector car insurance policy. Guidelines vary among insurers:
In addition to shopping around among insurance companies, these
factors will help determine how much your premiums are:
The Antique Car Era is
defined as 1893 to 1919.
The Vintage Car Era is
defined as 1920 to 1945.
The Classic Car Era is
defined as 1946 to 1972.
Other vehicles that may qualify for collector auto insurance
include kit cars, limited-production models, muscle cars, motorsport
vehicles, street hot rods, and vehicles that are being restored.
• The amount of driving experience of
those who will operate the vehicle
• The range of uses, such as weekend
cruises, car show appearances, etc.
Car make, model and year
Your past driving record
Vehicle usage
Deductible
• Whether you intend to race the car
• Whether the vehicle is your
primary vehicle
• How many miles the vehicle is driven
Coverage limits
Discounts
Appraised value