Get Affordable Classic Car Insurance Rates
OUR TOP INSURANCE COMPANIES
WHAT IS CLASSIC CAR INSURANCE?
Classic cars are extremely valuable investments, and to protect those investments, owners need to undertake suitable measures, like purchasing classic car insurance. It is a specialized type of insurance reserved only for vintage and classic vehicles. Classic car insurance offers broader protection than any regular car insurance and covers the specific risks classic car owners face. Usually, any car 20 or 25 years old with a current value of more than the average vehicle of the same age is categorized as a classic car. Liability, collision, and comprehensive coverage are the most essential components of a classic/collector car insurance policy.
WHY DO I NEED AN INSURANCE FOR MY CLASSIC CAR?
Classic car owners need specialized coverage tailored to their unique needs. Standard policies often have lower limits that don’t meet classic car requirements.
This insurance provides comprehensive coverage for your classic car, safeguarding it against various risks, including theft, vandalism, and natural disasters.
You can customize your policy to address your classic car's needs, ensuring you have the right coverage for its unique value and condition.
Stack multiple insurance policies for enhanced protection. Combining different coverages can offer more complete security for your classic car.
Many insurers offer policies specifically designed for classic cars, providing tailored coverage to protect these valuable and cherished vehicles better.
What Makes a Car a Classic?
What Types Of Classic Car Can I Insure With CINCO Auto Insurance?
Vintage cars, aged between 20 and 50 years, are celebrated for their classic designs and collectible appeal.
Antique cars are vehicles over 25 years old, often preserved in original condition, and known for their historical and collectible value.
Collector cars include rare and limited-production models, valued for their uniqueness and collectible status.
With their rich historical significance, military vehicles receive specialized coverage to protect these iconic pieces of history.
Kit car owners can find the ideal coverage for their custom-built vehicles with our tailored insurance solutions for high-value cars.
Race cars need specific insurance for their competitive use, distinct from everyday driving, ensuring proper coverage for track activities.
Modified cars, customized for performance or style, require specialized insurance to protect their unique enhancements and alterations.
WHAT COVERAGE CAN I GET FOR MY CLASSIC CAR ?
Agreed Value Coverage
If your classic car is totaled, agreed value coverage reimburses you based on a pre-set amount, regardless of market fluctuations.
Liability Coverage
Protects against financial losses from third-party claims for property damage or injuries you cause in an accident.
Collision Coverage
It covers the repair or replacement costs for your classic car if it is damaged in an accident, regardless of fault.
Comprehensive Coverage
Extends protection to your classic car against non-collision events like theft, vandalism, or natural disasters.
Uninsured/Underinsured Motorist Coverage
It covers your expenses if you’re in an accident with a driver with insufficient or no insurance coverage.
Medical Payment Coverage
Helps cover medical expenses for injuries sustained in an accident, ensuring drivers and passengers are covered.
Personal Injury Protection
Covers medical costs and lost income for you and your passengers due to injuries from an accident.
Roadside Assistance
Many insurance providers offer roadside assistance to policyholders if their car breaks down or has mechanical issues.
Spare Parts Coverage
Covers valuable custom parts of your classic car in case of theft or damage, ensuring your unique additions are protected.
Trip Interruption Coverage
It pays for transportation, lodging, and meals if your classic car breaks down while on a trip away from home.
WHY IS CINCO THE BEST CHOICE FOR CLASSIC CAR INSURANCE?
Excellent Customer Service
Get Free Quotes
Multiple Convenient Locations Near You
Get Discounts
Affordable Premiums
HOW MUCH DOES CLASSIC CAR INSURANCE COST?
Classic car insurance can cost you somewhere between $200 to $1,000 annually; however, the exact amount you pay depends on a range of factors - primarily on what your classic car is worth. The car insurance rate may be lowered since you typically drive your classic vehicle as much as your everyday car. Here are a few factors that are generally considered by insurers when fixing your classic car insurance price:
WHAT ARE THE REQUIREMENTS FOR CLASSIC CAR INSURANCE?
Eligibility and Vehicle Qualifications
To qualify for insurance, classic cars should be 20-30 years old, in good condition, used occasionally, and stored properly.
Proof of Insurance
Proof of insurance shows you have the required state coverage. You'll need it for road stops or vehicle registration.
Minimum Coverage
As per state laws, classic car insurance typically requires minimum liability coverage, including bodily injury and property damage.
Additional Coverage Options
Minimum coverage may not be enough. Consider additional options like agreed-value, spare parts, and roadside assistance.
Vehicle Appraisal
Insurance providers often require a professional appraisal to determine the value of your classic car, especially if it's rare or modified.
Payment of Premiums
To keep your classic car insurance active, you must pay your monthly or annual premiums on time.
Regular Vehicle Maintenance
Maintaining your classic car is crucial. Insurers may require proof of regular maintenance to preserve its value and ensure coverage.
History of Home Insurance Claims
Insurance providers need past home insurance claims information to assess your risk profile, influencing your premium rate.
Mortgage Lender Information
If you have a mortgage, insurers require your lender's details to meet their insurance requirements.
Photographs or a Home Inventory
Some insurers may request photographs or a detailed home inventory, which can help them evaluate your property's value and expedite the claims process.
HOW IT WORKS
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Once you have received your chosen classic car insurance quotes, it is time to compare and select the best option for yourself.
GET A FREE CLASSIC CAR INSURANCE QUOTE
Discover the perfect insurance plan for your timeless treasure at CINCO! Our classic car insurance quotes are just one click away. We connect you with the most reliable insurance companies and help you find the cheapest coverage plans. Also, you can enjoy your first quote from us for free!
FREQUENTLY ASKED QUESTIONS REGARDING CLASSIC CAR INSURANCE
WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?
Cashauna Burks
Edward was nice, he put up with me. Keep him, he will help you and negotiate and listen. Good rate
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Gonzalez Prestige
Very fast and reliable service I had misplace my paperwork and they found it in less than a minute thank you guys keep on the good work
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Tihesha Wise
Best quote I had in the past 3 days lowest quote for real! Quick sign up and rep was super patient and kind while he reviewed everything I really appreciate this.
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Samuel Uribe
I strongly recommend this place they gave me the best deals and worked with me.. Ana is the rite person to go to she will definitely help you.
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GoddesSina Qadesh
I am very satisfied!! Very reasonable price and was done in minutes. I definitely recommend.
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Nelly Merced
Jenireth was such an amazing help with setting me up with a car insurance. Very affordable prices and great customer service when calling.
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Terrance Wilson
Amanda was very helpful with getting insurance. She searched multiple companies to get me the best rate possible. Great customer service!.
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Great service overall, agents were super helpful. All of our questions were answered and I have to say I do ask a lot of questions. Also, prices are accessible. Win-win. 😊
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Will
Amy is a really sweet lady. She helped me and insured me quick easy and smooth. Great customer service.
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Yolanda was wonderful, well mannered, respectful, very professional and clear in regards to getting my policy. I give her a 10!!!.
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