What is kit car insurance?

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jan 12, 2017

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Here's what you should know...

  • Kit cars are fun investments for car enthusiasts, but need a special type of insurance
  • Because of their greater risk of theft, kit car owners should invest in anti-theft devices and safety features. These can also lead to greater discounts with insurance companies
  • Comparison shopping will guarantee that you get the most coverage at the lowest price for your kit car

Kit car insurance is a specialty form of coverage to protect a vehicle that you make yourself. Kit cars are much like prefabricated houses; the pieces come to you ready to be assembled and you put them together yourself. Aficionados invest a great deal of money and time into kit cars and the act of building them.

Get FREE online car insurance quotes for your kit car now! Enter your ZIP code into the above box!

The need to insure a kit car is unique. Purchasing specialty parts from vintage and classic automobiles and then assembling them after restoring them in their original form is truly rewarding practice. You should investigate the insurance needs of any vehicle before purchasing.

Kit Auto Insurance Features


One feature of a kit car is that they are very lightweight. One reason for this is that it enhances the driving experience by allowing for higher rates of speed and greater acceleration.

Another characteristic of the design of the kit car is the fact that they are usually equipped with engines larger than the one would normally put in a smaller car.

By doing this, you increase the ratio of power to size, and get a faster and more powerful car. With these features and benefits, however, comes a downside as well.

The Downside

Smaller cars that are lightweight with large engines are a known target for car thieves according to the car insurance companies because the large engines are more powerful and can be removed and be put into larger vehicles. Therefore, this attributes to a great deal of joyriding and theft.

Another pitfall of kit cars that can actually hit auto enthusiasts where they really live, and affect the cost of their insurance policies, the utter lack of safety features and some of the vehicles including high-impact crumple zones, airbags, and antilock brakes.

If you own a kit car and your regular insurance company has turned their back on you, or made your premiums so high that you can no longer afford it, read on to get some invaluable tips that will help you to get your kit car insured.

Helpful Tips

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Below are a few tips to help with getting kit auto insurance:

  • Contact Your Insurance Company First 

Call your regular insurance company to see if you are getting the best rate that you possibly can. There’s a chance that you might be entitled to getting a reduction based on your past or an exemplary driving record.

No claims bonus discounts are available for the most reliable drivers.

  • Compare Quotes Online

Once you’ve contacted your insurance agent, search online for kit car insurance. You may be happily surprised at the number of different insurance companies from which to choose. Look for online car insurance quotes to compare several companies’ rates at once.

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  • Investigate In-Person

Contact companies found while researching and ask about further discounts from each, remembering to perform due diligence with each one.

Before you make a decision, make sure to get recommendations from friends and people that you know and only focus on sites that you trust.

  • Pay Attention to Detail

Read the fine print! Don’t forget to check all the different conditions and terms and restrictions before making a final decision.

  • Look for Extra Features 

Don’t forget to practice savviness! A regular insurance company’s only interest in the numbers. However, an insurance company that specializes in special vehicles can appreciate the way you feel about your car. Often this is reflected in the premium that they offer you. Shop around, get the best price, and get ready to really enjoy your vehicle!

Once you actually have your insurance there are a number of things you can do to keep your premiums low. Here are a few of them:

  • Purchase some kind of an immobilizer to protect against theft. This will deter would-be thieves.
  • As difficult as it may be, purchase the smallest engine you can possibly stand to fit into the frame of your vehicle. By doing this, you make your car less attractive for theft.
  • Be completely honest about the specs of your vehicle when working with your insurance company to get a car insurance quote. This will help to prevent issues in the future should you have to make a claim later on.

Compare Kit Car Insurance Online

Kit cars can be a fun and exciting hobby. However, insurance for kit cars is not the same as regular car insurance, and therefore should not be treated as such. There are several things that you can do before and after you purchase kit car insurance including shopping around for a reputable company, purchasing the smallest engine that you can live with, purchasing some type of a mobilizing object to prevent theft, and being honest with your insurance company as to all the specs of your kit vehicle. By following these simple tips, your hobby will continue to be an enjoyable and rewarding one.

Enter your ZIP code below to compare free kit car insurance quotes online now!

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