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Collector Car Insurance

You take pride in your Alfa Romeo or your ’65 Mustang and insurance is one of many protections for your prized investment. When insuring a collector’s car, it is helpful to do business with an insurance company that understands the exotic car owner’s needs. Many insurance companies will insure your car but some may have age qualifications or other modification guidelines. The major difference between obtaining an insurance policy for a collector’s car and for a mainstream vehicle is that the insurance company will likely require that the classic car not be used as your primary general transportation vehicle. Other requirements may include:

• A minimum age for the policy holder, up to as much as 26 years old.
• They may require proof of alterations made on the car.
• The insurer may require garaging of the car when not in use.
• There may be driving restrictions, such as limited personal use or use only for car shows and events.
• Some companies may require that the driver be licensed for a minimum period of time, such as five or 10 years.
• They may require a clean driving record, also for a minimum period of time, typically three to five years.
• Some companies have a cap on how “new” the car can be and still be considered a collectible.

Most companies have a broad definition of what constitutes a collector’s car, and may include street rods, exotics, vintage, racecars, and even cars not typically thought of as classics, such as vehicles made in the 1970’s or later. When searching for an insurance company, you may get varied responses to coverage guidelines. Don’t forget to ask about special discounts such as membership in a collector’s car club. Your classic car is your pride and joy, and insuring it is your peace of mind.AutoCarInsurance.org is here to help you find the best coverage for your collector's car at affordable rates. Start by simply entering your zip code above for your free collector's car insurance quote!