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While more than half of the states have mandated some form of financial responsibility law pertaining to the operation of a motor vehicle, most boil down to the need to be either self-insured or to carry vehicle insurance. If the person has one or more convictions of any type, the car insurance company will often charge a higher premium for car insurance. There may be different grouping structures and the insurance premium goes up as you move up in these groups. Time to take the family car for a spin and show your friends that you are finally street legal?


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Finding car insurance for an antique car can be a lengthy and frustrating process, but the benefits of having insurance for the car far outweighs the initial hassle of finding the insurance. Additionally, a person who is buying a car that has lien held by the lender, they will also need comprehensive insurance coverage so the lender knows their investment is protected against loss by damage. Some of it is due to the fact that younger drivers are more inexperienced on the road, but younger drivers are also more apt to drive dangerously showing off for friends, not obey the posted speed limits, and be distracted while driving.

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Collector Car Insurance Protects Valued Investment


Vehicles used for car shows and demonstration purposes, which are considered to antiques or collectable vehicles can find low rates on collector car insurance. Used by many people who restore older cars, many vehicles do not qualify for collector car insurance unless they are at least 20 years old and have been, or are in the process of being restored to their original condition.

Since the majority of these vehicles are only used on an occasional basis, the rates for collector car insurance are considerably lower than that for vehicles used on a daily basis. Many companies that offer collector car insurance also have restrictions on the use of the vehicle as well as the owner. For example, in order to obtain coverage for a collector vehicle, the owner must have another regular use vehicle with insurance for daily use in the name of the collector car owner.

They may also be required to be stored in an enclosed, secure facility to qualify for collector car insurance. The value of the insurance is determined at the time the coverage begins and most policies offer no deductibles on collector car insurance, paying the full amount of the agreed value in the event of a total loss. Most will also allow the owner of the vehicle to determine where the work will be performed if a covered incident requires professional repairs.

Seeking The Most Coverage For Your Collector Vehicle

Many people spend years restoring an older vehicle to its original, showroom condition and want to make sure it is adequately covered. Since most vehicles are kept in storage unless being taken to a show, the miles driven is usually low. Many times the vehicles are transported on a trailer and the insurance on the trailer and the hauling vehicle will be responsible for aby damages, and not the collector car insurance.

However, when a car is on display it is a potential target for vandals and accidental damages. These types of incident are typically included in collector car insurance, and with most companies, if the collector buys another collector vehicle it is automatically covered up to a pre-determined value for a few days, until the owner and the collector car insurance company agree to the vehicles value.

Despite the high value of certain collector vehicles, annual premiums are exceptionally low. For example in most states, the cost to insure a 25-year-old collector car will be slight over 0 per year, which is a bargain compared to the vehicles worth.