AGREED VALUE COVERAGE
This coverage ensures that you are compensated with the agreed value for your vintage car in case of a total loss, regardless of market fluctuations.
WHY PAY MORE?
GET AFFORDABLE VINTAGE CAR INSURANCE RATES
Luxury 
Sport 
Coupe
Convertible
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
WHAT TYPES OF VINTAGE CARS CAN I INSURE WITH CINCO?
Luxury Vintage Cars
Classic luxury vehicles like the 1920s Rolls-Royce offer timeless elegance and craftsmanship. Protect your vintage luxury car with tailored coverage.
Sports Vintage Cars
Performance-driven cars like the 1953 Chevrolet Corvette are prized for their speed and design. Safeguard these iconic vehicles with insurance to preserve their value.
Sedans
Vintage sedans from the 1930s to 1950s, like the Chevrolet Bel Air, offer classic style and comfort. Ensure proper coverage to protect your classic family car.
Coupes
Two-door vintage cars like the 1932 Ford Coupe are valued for their sporty appeal. Protect your classic coupe with insurance that covers both its restoration and value.
Roadsters
Open-top vintage cars, like the 1929 Ford Roadster, offer a nostalgic driving experience. Keep your roadster protected with comprehensive insurance for its uniqueness.
Station Wagons
Vintage station wagons like the 1950s Chevrolet Bel Air Wagon offer practicality and style. Ensure your classic wagon is insured against potential damage or theft.
Woodie Cars
Iconic for their wood-paneling, woodie cars like the 1946 Chrysler Town & Country are collector favorites. Protect this classic with insurance that covers its restoration.
Convertibles
Vintage convertibles, such as the 1953 Chevrolet Corvette, offer an open-air driving experience. Safeguard your classic convertible with the right coverage for value and repair.
WHY IS CINCO THE BEST CHOICE FOR VINTAGE 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 VINTAGE CAR?
COMPREHENSIVE COVERAGE
Comprehensive coverage helps pay for the damages arising from non-collision-related events, such as theft, vandalism, fire, and natural disasters.
COLLISION COVERAGE
Collision coverage helps cover repair costs if your vintage car is damaged in a collision, allowing you to get back on the road without incurring significant expenses.
LIABILITY COVERAGE
This coverage financially protects against bodily injuries and property damage you cause to others in an accident, covering legal and medical expenses.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
Uninsured/underinsurd motorist coverage pays for your resulting damages in an accident if the at-fault driver lacks sufficient insurance or has none.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
Medical payment coverage helps cover your medical expenses, such as hospital bills, medicines, and surgeries, after an accident, regardless of fault.
ROADSIDE ASSISTANCE
Roadside assistance offers help with flat tires, breakdowns, lockout assistance, and other services, ensuring you won't be stranded with your vintage car.
CUSTOM PARTS AND EQUIPMENT COVERAGE
Covers custom upgrades and parts on your vehicle, protecting against theft, damage, or loss, ensuring your enhancements are safeguarded.
ACCESSORY COVERAGE
Protects accessories like vintage wheels, radios, or trim from theft, damage, or loss, ensuring your vehicle’s special features are fully covered.
GARAGE KEEPERS INSURANCE
Provides coverage for your vehicle while in a garage’s care, protecting it against theft, damage, or accidents while stored or worked on.
HOW IT WORKS
EXPLORE
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Contact our classic car insurance agents, who are dedicated to finding you the best coverage plans. Clear all your insurance-related queries.
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Obtain multiple quotes to connect with the best insurer in your area, ensuring you get the most appropriate plan for your vintage vehicle.
What is Vintage Car Insurance?
Vintage car insurance is a specialized policy designed to protect vintage vehicles against unforeseen damage and perils, such as vandalism and theft. Unlike regular car insurance, vintage auto insurance is customized for vehicles typically 25 years or older, including those with unique model years. This type of coverage specializes in fulfilling the needs of only antique, vintage, and collector cars.
Vintage vehicles hold historical significance and are very popular among car enthusiasts. As an owner of one, you should not avoid insurance because coverage options like collision are essential for protecting the financial value of your car. Besides collision coverage, your insurance plan also covers restoration costs and offers usage-based programs to reduce your premiums, as vintage vehicles are not used frequently.
FACTORS THAT IMPACT VINTAGE CAR INSURANCE RATES
You must have noticed that the vintage car insurance rates vary a lot from one policyholder to another, primarily because everybody has different circumstances and risk exposure, which influence their premiums. All insurance providers evaluate a range of factors before determining your actual premium. For example, if you have a bad driving history, you will be viewed as a high-risk driver, leading to higher premiums. The following are the most common factors considered by your insurance provider:
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 VINTAGE CAR INSURANCE?
Vintage car insurance offers significant financial assistance during unforeseen circumstances, such as accidents, theft, vandalism, and total loss. Options like liability coverage can help ensure you are protected against potential liabilities and lawsuits if you are ever responsible for an accident. However, when it comes to a vintage car, the owner has more at stake, further emphasizing the need for the right insurance plan. Here are some individuals who mostly require this insurance:
Owners of vehicles classified as vintage (typically over 30 years old).
Individuals with historically significant or rare vehicles.
Vintage car collectors and enthusiasts.
Owners using their vintage cars for exhibitions, parades, or occasional leisure.
Drivers with vehicles preserved in original or restored condition.
Owners seeking agreed-value coverage for high-value vintage cars.
Individuals storing vintage vehicles in secure or climate-controlled facilities.
Drivers required by law in some states for specific vintage vehicle classifications.
WHY DO I NEED INSURANCE FOR MY VINTAGE CAR?
WHAT DISCOUNTS CAN I GET ON VINTAGE CAR INSURANCE?
Discounts come to the rescue when your insurance rates get challenging to bear. Every insurance carrier offers a range of discounts to attract new customers and retain existing ones. Remember to ask your insurance agent to help you find any suitable insurance discounts when purchasing a policy, based on your customer profile. You can also contact your insurance provider directly for instant support. The following are some discounts you can search for while buying a vintage car insurance plan:
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 VINTAGE CAR INSURANCE COST?
Vintage car insurance can cost anywhere between $200 and $600 per year; however, your actual premiums may be higher or lower depending on a wide range of factors, the most important being the value of your vintage car. Your insurance provider considers several variables before deciding your premium, so that each policyholder can have varying rates due to different insurance needs.
Since vintage vehicles are rarely driven, their insurance rates might be lower than those of standard vehicles used daily. If you want to reduce your rates further, the best thing to do is find a reliable insurance broker; they can help you navigate the process much more quickly. With industry expertise and skills, they help you find affordable rates within your price range.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE VINTAGE CAR INSURANCE QUOTE?
Every insurance provider has specific requirements for customers when purchasing a vintage car insurance policy. They may ask for relevant details, documents, or certifications to clarify or verify the information you shared regarding yourself and your vintage car. Always submit complete and correct information to your insurer, as it helps avoid problems during the claims procedure later on. Here are some of the most common requirements from the insurance provider for an accurate quote or plan:
GET A FREE VINTAGE CAR INSURANCE Quote
Secure your classic gem with confidence at CINCO Auto Insurance! We make getting insurance quotes quick and easy.
Once you complete the form, one of our representatives will contact you within a few hours. With multiple leading carriers on board, you'll have plenty of options to choose from. Get your first free quote today and start the journey to finding your perfect vintage car insurance policy!
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