What are some classic car insurance companies?
There are several factors to consider in determining whether your car is a “classic” or “collectible” car. First, most classic car insurance companies require that the covered vehicle is “vintage,” or an older model, usually at least 25 years old.
Another thing to consider in determining whether your car is collectible are how much you have invested in the vehicle and the rarity of the auto.
There are many insurance companies that offer classic car insurance. Many well-known insurance companies offer coverage, including the following companies:
Geico
Geico offers classic car insurance for automobiles that qualify. They offer classic car insurance for “desirable vintage model automobiles” that are at least 25 years old.
Progressive/Hagerty:
Progressive and Hagerty have teamed together to offer broad coverage with many conveniences for customers. Progressive offers classic car coverage through Hagerty collector car insurance. Hagerty collector car insurance prides itself on its broad coverage and competitive rates. Hagerty offers agreed value coverage, no deductible in most states, in-house claims handled by a classic car expert, the ability to choose your own repair shop, and restoration coverage.
Hagerty also offers coverage for a broad range of vehicles, including antique and classic cars, muscle cars, exotic and special interest autos, street rods, modern classics, trucks, high-quality replicas, fire trucks, tractors, low riders, military vehicles, motorcycles and scooters, and trailers.
Allstate
Although Allstate does not offer separate classic car insurance policies, many automobiles qualify to be added to regular auto insurance policies with Allstate. Allstate allows coverage of classic cars on regular auto insurance policies. Policyholders can also qualify for an additional discount by providing proof that the covered automobile is driven less than 7,500 miles a year.
If the car is only driven for special events like shows, parades, and club activities, policyholders can cover the auto by adding an endorsement to their policy. The year, make and model will make a difference in how the vehicle should be insured.
The Hartford
The Hartford offers classic car insurance with many extra conveniences for customers. The Hartford’s classic car insurance policies offer 24/7 roadside assistance, a no-drop promise with promised continued coverage subject to maintaining a valid driver’s license, and 24/7 claims service.
The Hartford defines an antique auto as a vehicle manufactured at least 25 years ago and driven primarily in parades, exhibitions, and infrequently for other reasons. The Hartford defines a classic auto as a private-passenger vehicle manufactured at least 10 years ago with a value significantly higher than the average value of autos of similar make, model and year.
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Other companies that specialize in classic car insurance include:
Grundy Insurance
Grundy Insurance offers special coverage for collectible automobiles under one of it divisions. Grundy Insurance offers coverage for collectible automobiles under its Special Client Services division.
J.C. Taylor
American Colllectors Insurance
Rated by 99% of its customers as being very good to excellent, the company prides itself on customer satisfaction. The company also offers the ability to quote and buy insurance online, as well as the ability to manage a policy online.
Northeast Classic Car Insurance
Northeast Classic Car Insurance offers flexible choices for classic car insurance policies, including plans which cover autos driven from 1,000-6,000 miles per year. The company does not have any limitation on age and will ensure vehicles made from 1900-present year. Northeast Classic Car Insurance offers classic car insurance with the option to drive up to 6,000 miles per year.
Leland West
Leland West provides classic car insurance coverage with an agreed value and no deductible. The company offers unlimited mileage and commuting options. Policyholders also have the option of placing limits on mileage for extra savings. Leland West offers classic car insurance which is very flexible, with different coverage options available.
Although there are many options when it comes to classic car insurance, each company offers unique benefits. The information above can be used as a guide to find the insurance provider that is the perfect fit for you.
We would love to help you find classic car insurance. Enter your ZIP code and you will receive competitive car insurance quotes.
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