Insuring Classic and Vintage Cars

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If you are in possession of an older model car, you know you need to protect it from damage. Before calling your agent to add it to your insurance policy, do you know whether it is classic or antique? While many people use these words interchangeably, they actually have distinct definitions that might change the type of policy you need.

Classic

Coverages for classic cars usually apply to those at least 20 years old. However, the Classic Car Club of America has a stricter definition, including only certain styles made between 1915 and 1948. Here are a few examples of classic cars:

  • Dolomite 8 and Gloria 6 Triumph
  • 1919 to 1924 Wasp
  • Various models of Studebaker

Antique

Antique cars are at least 45 years old, with the Antique Automobile Club of America only recognizing those over 50. Registering a vehicle to receive a special antique license plate has the benefit of fewer driving restrictions, but laws vary by state. Here are a few examples of antique cars:

  • 1961 Jaguar E-Type
  • 1970 Datsun 240Z
  • 1963 Corvette Sting Ray

If you are uncertain in which category your car belongs, consult the club in your local area for advice. Enjoy your vehicle, and rest assured that you have the correct type of policy to cover it.