AGREED VALUE COVERAGE
Agreed-value coverage ensures that your antique car is insured for its agreed-upon value, regardless of market fluctuations, thereby protecting your financial interests.
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What Types of Antique Cars Can I Insure with CINCO?
Classic Sedans
Timeless and practical, classic sedans from the early to mid-20th century offer vintage charm. Ensure your classic sedan is well-protected from damage and theft.
Coupes
Two-door vintage cars are known for their compact design and sporty appeal. Protect your classic coupe with comprehensive coverage for accidents, theft, and restoration costs.
Roadsters
Open-air, two-seater cars from the early 20th century, roadsters, offer a nostalgic driving experience. Safeguard your classic roadster with proper coverage for restoration and value.
Convertibles
Vintage convertibles from the 1930s and beyond provide an iconic open-air ride. Protect your classic convertible with insurance that covers both mechanical and cosmetic damage.
Luxury Cars
Antique luxury cars like the Cadillac V8 or Packard Eight offer elegance and performance. Ensure full coverage to protect your vintage luxury car's value and history.
Woodie Cars
Classic cars with distinctive wood-paneling, popular in the 1940s and 1950s. Keep your woodie car protected with insurance for both its aesthetics and historical value.
Why Is CINCO The Best Choice For Antique Car Insurance?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/
Phone/
In-Person
Services
Multiple Convenient Locations Near You
What Coverages Can I Get for My Antique Car?
COMPREHENSIVE COVERAGE
It protects your vehicle against non-collision damages, such as theft, vandalism, and natural disasters, ensuring your antique is covered in all situations.
COLLISION COVERAGE
Collision coverage helps cover the cost of repairing your antique car after an accident, regardless of fault, including damages and spare parts needed.
LIABILITY COVERAGE
Liability coverage provides financial protection if you cause physical damage or bodily injury in an accident, ensuring legal and economic security.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
Uninsured or underinsured motorist coverage pays for your damages and injuries in an accident where the at-fault driver has little to no insurance.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
It assists with medical costs, such as hospital bills and medicines, for you and your passengers after an accident, ensuring necessary care and support.
ROADSIDE ASSISTANCE
Roadside assistance offers peace of mind by providing help for breakdowns, gas shortages, or towing, ensuring you're never stranded with your antique car.
CUSTOM PARTS AND EQUIPMENT COVERAGE
Protects custom parts and upgrades on your antique vehicle from damage or theft, ensuring your enhancements are fully covered.
ACCESSORY COVERAGE
Covers accessories like custom interiors or vintage parts on your antique vehicle, offering protection against theft, damage, or loss.
GARAGE KEEPERS INSURANCE
Provides coverage for your vehicle while stored in a garage, protecting against theft, damage, or accidents while in the care of a storage facility.
HOW IT WORKS
EXPLORE
Review our website's diverse antique car insurance solutions and select the best options to protect your cherished vehicle against various road hazards.
CONNECT
Reach out to our insurance experts, who will help you find suitable coverage plans based on your requirements and clarify all your insurance queries.
COMPARE
Obtain multiple quotes from CINCO and compare them to find the best value for your money. Always make an informed insurance choice instead of rushing!
What is Antique Car Insurance?
Antique car insurance is designed to meet the specific requirements of vintage and antique vehicles. It differs from regular car insurance, which may not fully protect your prized possession because it needs to account for your vehicle's unique value and history. If you own an antique vehicle over 25, you'll need a specialized policy to preserve your vehicle's monetary value and historical worth.
It typically includes liability, collision, and comprehensive coverage, protecting against road accidents, theft, vandalism, and other types of damage. Insurers usually offer usage-based programs that can help reduce premiums based on mileage, as antique cars are not used as frequently for everyday tasks. However, you must maintain certain mileage limits to avoid being charged extra.
Factors That Impact Antique Car Insurance Rates
Insurance providers never charge two policyholders the exact same amount; the prices always vary depending on certain factors. For example, the insurance premiums may differ if you own an antique car that is more expensive to repair than one with a less costly and rarer model. The former will be charged more than the latter. Similarly, the insurer also considers your driver’s profile for a more accurate evaluation. Here are some other prominent factors that determine your insurance rates:
Driving History
Age and Gender
Location
Vehicle Type and Model
Credit Score
Coverage Level
Deductible Amount
Claims History
Annual Mileage
Insurance Provider
Marital Status
Type of Driving
Discounts and Bundles
Safety Features in the Vehicle
State Laws and Regulations
Who Is Required to Have Antique Car Insurance?
One cannot skip auto insurance; it helps cover multiple expenses in an unforeseen situation, such as an accident, theft, vandalism, natural disaster, or total loss. In the case of an antique car, there is more to lose, making an adequate coverage plan all the more critical. This is because antique vehicles hold historical and monetary value, leading to more financial loss if damaged or stolen. Here is a list of some individuals who should definitely purchase an antique car insurance policy:
Owners of vehicles classified as antique (typically 25 years or older).
Antique car collectors and enthusiasts.
Drivers with vehicles that are restored or preserved in original condition.
Individuals storing antique cars in secure or climate-controlled locations.
Individuals with rare or historically significant vehicles.
Owners who primarily use their antique cars for exhibitions or special events.
Owners seeking agreed-value coverage for their antique vehicles.
Drivers required by law in certain states for specific vintage vehicle classifications.
Why Do I Need Insurance for My Antique Car?
What Discounts Can I Get on Antique Car Insurance?
You can opt for various discounts when purchasing an antique car insurance policy. However, you should be aware of the criteria for the discount before applying. For example, you must have a clean driving record for at least a few years when applying for a good driver discount, or you won’t qualify for it. Remember to ask your insurance provider for any available discounts before you finalize a policy. Here are some other discount options you can consider when purchasing car insurance:
Safe Driver Discount
Good Student Discount
Multi-Policy Discount
Multi-Vehicle Discount
Low Mileage Discount
Defensive Driving Course Discount
Anti-Theft Device Discount
Pay-in-Full Discount
Paperless Billing Discount
Automatic Payment Discount
Accident-Free Discount
Affinity or Membership Discount
New Vehicle Discount
Military Discount
Homeowner Discount
Loyalty Discount
Green Vehicle Discount
Usage-Based Insurance Discount
Senior or Mature Driver Discount
Occupation-Based Discount
How Much Does Antique Car Insurance Cost?
The average rates for an antique car insurance policy range from $200 to $600 per year. However, these are mere estimates, and your exact cost depends on a wide range of factors, primarily your car's appraised value and make. Insurance providers assess several variables before deciding on a premium, so that rates can vary greatly from one policyholder to another.
Due to their limited usage and lower annual mileage, antique vehicles qualify for reduced rates. To further lower your premiums, consider working with a reputable broker who can guide you toward more affordable coverage options. With the help of suitable discounts and incentives, you can find an insurance plan that aligns with your budget without compromising coverage quality.
What Are the Essential Requirements for an Accurate Antique Car Insurance Quote?
Every insurance company has specific requirements for its customers when purchasing an insurance plan. They may request relevant details, information, documents, or certifications to verify the information you provide or to provide a more precise quote. Always make sure you submit valid and complete information to your insurer so that there aren’t any future inconveniences during the claims procedure. Here are some standard requirements you must fulfill for an accurate antique car insurance quote:
Get A Free Antique Car Insurance Quote
Find the perfect protection for your antique car with the most affordable insurance quotes in town! CINCO partners with top insurance brands across the US to help you quickly find your ideal coverage.
Our simple form takes just a few minutes to complete. Once you submit it, one of our classic car insurance agents will contact you shortly. Don’t overthink it—apply now! It’s quick, easy, and completely free!
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