Do You Have To Have Insurance On An Antique Car

In some states an antique car only needs to be at least 20 years old while the Antique Automobile Club of America regards a car that is at least 45 years old to be antique.

Do you have to have insurance on an antique car. Grundy Insurance has specialized in insurance for classic antique cars since 1947 and saves you at least 50 of the cost of regular car insurance. Many states will not allow a car registered as a classic vintage or antique car to be used as your primary car. You dont need to do any inspection or emissions testing and you will also save on car insurance.

Defined by many companies as being at least 25 years old and in good working original or original restored condition. Classic cars are valued at different rates than regular cars and often need a different type of insurance. Data provided by Progressive found that classic cars cost about 36 less to insure than a typical car because policies are tailored to your specific needs.

If the vehicle is operable and its currently registered in a state that has mandatory auto insurance laws you cant rely on the lead cars liability coverage to satisfy these laws for you. Its also important to be aware of the difference between a classic car and an antique car when deciding what insurance is best for your car. While most insurance companies might not sell you bike insurance or car insurance if you do not have a DL there are few insurers who are willing to offer a policy.

So if you were planning on driving your meticulously restored 1978 Chevrolet Camaro Z28 to and from work every day you might not want to register it as a classic. Motorcycles and public transportation are not considered viable regular use vehicles by our program. Driving a classic car even short distances on the road without auto insurance is both risky and illegal.

When you choose antique or classic car insurance with us you and State Farm will agree on the value of the car. The answer is no for the former and yes for the latter. Ordinary insurance is for ordinary cars.

You will have to research extensively about insurance companies and the coverage for a policy to suit your requirement. Getting a lot of insurance for an antique car isnt legally required but it can be a good idea. If your car doesnt qualify for classic auto insurance a standard auto insurance policy may be a better option for you.