About Antique Collector 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: Mar 5, 2020

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Here's what you need to know...

If you own or are thinking about purchasing an antique car you need to know about antique collector car insurance.

Placing your classic vehicle on your already existing car insurance policy may seem like the easiest solution to insuring it.

However, should the unthinkable happen, you may receive a very small fraction of what that car is actually worth.

Click here and enter your ZIP code for a list of FREE car insurance quotes today!

Where to Begin When Purchasing Antique Collector Car Insurance


As with other types of insurance, you always want to begin by obtaining several free quotes from different companies.

Once you have obtained the quotes look at each policy in more detail and determine which one best meets your needs.

One thing to be especially careful of when looking at policies is how they determine the value of your car.

  • Cash Value  equals the replacement cost minus depreciation
  • Stated Value – the insurance company agreeing to pay the value that you have stated and shown the car to be worth
  • Agreed Value – the value that you and the insurance agent have come to a mutual agreement on

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Am I eligible to get antique collector car insurance?

Insurance companies dealing with antique or collectible cars do typically have stipulations as to who they will give a policy to.

These stipulations often include:

  • A decent driving record
  • Ten years driving experience
  • No teen drivers or drivers with a poor record on the policy
  • Secure garage to protect the vehicle
  • Proof that you have another vehicle for daily transportation and will not be using this vehicle for high mileage driving

What else do I need to be aware of?


First, you need to make sure you have an accurate assessment of the vehicle’s value so you know how much insurance you need. Once you know that, you can begin to work with an agent to develop a policy that fits your needs.

Another important consideration is how often and how far you drive the car. If you only take the car out a couple times a year for parades and shows you can have a lower mileage limit placed on the policy, thereby, lowering your premium.

Finally, if you are restoring a vehicle, you will need to make adjustments to your policy after doing so because the value of the car will increase.

Keep all receipts and paperwork for work that was completed on the car and take pictures throughout the process. These receipts will help determine an accurate assessment of the car’s new value so that you can increase your coverage appropriately.

Unlike regular vehicles, the value of an antique car will appreciate over time. For this reason, it will be important to review your policy every few years to make sure that you continue to have enough coverage should anything happen.

Antique collector car insurance will help you to protect your investment so get started now finding a policy that meets your needs.

Get fast and FREE online car insurance quotes for antique collector car insurance now by entering your ZIP code!

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