Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 19, 2020

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Here's what you need to know...

  • First Step is to have all of your personal information and detailed car information ready to go
  • Second Step is to verify your personal driving history and driving record
  • Third step is to shop around

Finding vintage car insurance doesn’t have to be overwhelming or time-consuming.

In fact, it is quite simple to find the vintage car insurance you need. So how do you insure a vintage car?

There are three main steps involved in finding affordable vintage car insurance. These steps ensure that you have done what is necessary to find the right insurance company and policy for your vintage car.

By following the steps outlined in this article, you can find the right vintage car insurance for you.

Enter your ZIP code now to find affordable car insurance quotes!

Table of Contents

Step One in Finding Vintage Car Insurance

The first step to finding vintage car insurance is to have all of your personal information and detailed car information ready to go. When you set out to find a company, there are going to be some questions involved before you actually get a policy.

These questions are designed to help lead you to the best policy and things go much quicker if you already have the information ready.

Personal information that is needed includes details you should know by heart and do not have to look up such as your date of birth, social security number, address, and what drivers will be listed on the policy.

They will also want to know the social security numbers of each additional driver.

Other information that is required, you may have to find before you are ready to start looking for a company.

The insurance company will want to know the vehicle identification number or VIN number on your car. This can be found on your registration, your old insurance card, or on loan papers for your vehicle.

If you can’t find it in any of these places, it can be found on the vehicle itself.

You will also need to know the make, model, and year of your vehicle as well as the license plate number. This can be found on any of the paperwork listed above, but a visual for your car will provide most of the information as well. Not many people have their license plate number memorized.

Not many people have their license plate number memorized.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Step Two in Finding Vintage Car Insurance

The second step in finding vintage car insurance is to verify your personal driving history and driving record. The insurance company will ask you if you have had any moving violations or tickets over the last three to five years. They will be able to look up the information to verify what you say, so it is best to be honest.

A moving violation is any ticket you received while driving. Moving violations include:

  • Running a red light
  • Failure to stop at a stop sign
  • An accident where you are at fault
  • A driving while intoxicated charge
  • A speeding ticket

Any moving violation will increase the monthly premium amount you are charged for your automobile insurance.

The insurance company will also ask you if you have been involved in any accidents over the last three to five years. Depending on the state you live in, they may ask you whether or not you have been at fault in any of these accidents.

Accidents will not necessarily increase your premium rates unless you have caused more than one accident in an 18-month time frame.

Step Three in Finding Vintage Car Insurance

The third step in finding vintage car insurance is often missed, yet it is quite simple and important.

Shop around! You probably already shop around for all kinds of items for your home, your wardrobe, and even for groceries. Car insurance shouldn’t be any different.

Shopping around for your car insurance is a must do. This will help you find out what the best insurance for classic cars is. Seeing what several other companies have to offer can help you find the best deal. Some insurance companies offer discounts that other insurance companies do not.

Some insurance companies will automatically adjust your rate when your circumstances change, while others will not make changes unless you call.

When it comes to vintage cars especially, you want to find an insurance company that is used to covering classic cars and knows the special circumstances that you may find yourself in via car shows and recreational driving.

Classic cars need to be insured in a different manner than everyday cars.

The best way to shop around and find a great deal on vintage car insurance is to compare rates and quotes with several top car insurance companies. You can do this online through an online comparison tool.

Enter your ZIP code now to find great vintage car insurance quotes today!

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