Vintage Car Insurance – Request an online classic car quote from your trusted partner at Hartford Hagerty, the leader in classic car insurance. Clicking will take you to Hagerty’s website.
We partner with Hagerty because we want the best for our customers. Hagerty is a leader in classic car insurance and is trusted by over 1 million classic car owners.
Vintage Car Insurance
We know you are proud to own such a beautiful vehicle. We’re here to help you make sure your prized possession has the classic car insurance it needs. In fact, we’ve been helping customers get the right car insurance for years.
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Not all cars qualify for classic car insurance. To have coverage, your vehicle must be a “spare vehicle” used for recreation and not used regularly.
To learn more, talk to a Hartford/Nutmeg agent at 800-555-2510 and get your classic car insurance quote today.
We know that collector cars are more than just a vehicle. They are works of passion, precious heirlooms and investments. That’s why you want quality auto insurance coverage to pay for repairs when you need them. This is especially true because replacement parts can be expensive and hard to find.
Repairing and replacing a classic, antique or collector vehicle can be expensive. That’s why you need the right amount of classic car insurance. The value of your car determines your policy amount and the agent you work with will make sure the car insurance coverage you get provides the protection you need.
Classic & Vintage Car Insurance Victoria Quotes
To insure your classic car, customize your coverage with Hartford’s AARP® Auto Insurance Plan
Today. Through Nutmeg Insurance Agency, you can find coverage designed to protect your rare vehicle at a lower price.
Get your classic car insurance quote or answers to any of your questions by speaking with a Hartford/Musmeg expert today at 800-555-2510.
The average cost of car insurance varies depending on the type of classic vehicle you have and other factors such as:
Classic Car / Collector Car Insurance
Each car insurance company has different classic car insurance requirements to qualify for coverage. Some may require a clean driving record, mileage limits, or safe storage conditions such as always keeping it in a garage.
Making sure you have this policy can help you pay for damages to your car in the event of a covered total loss.
In a policy based on a simplified value, some classic car insurance carriers declare a certain amount of insurance for repairs or replacement of the car. Typically, an insurance company and policyholders arrive at an agreed value through documentation such as appraisals, photos and receipts.
Standard car insurance helps protect your car or the car you use regularly. Classic car insurance helps you protect cars that are 10 years old or older and are not used as everyday vehicles. In most cases, your classic car insurance is cheaper than your standard car policy.
What You Need To Know About Insuring Classic Cars
No. While classic car insurance helps cover events like parades and car shows, it also protects you if you occasionally need to drive for other reasons.
Coverage is subject to policy terms, conditions, limitations, exclusions, signature verification and final acceptance of risk and may not be available for all risks or in all states.
This program may be underwritten by either Hagerty Group, LLC of Essentia Insurance Company (“Essentia”) or one of the affiliated companies of American Modern Insurance Group, Inc. corporation in Texas, American Family Home Insurance Company d/b/a AFH Insurance Company (License No. 2961-1) in California and American Modern Home Insurance Company) (“American Modern”), through Nutmeg Insurance Agency Inc., and Partner of Hartford Fire Insurance Company. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Essentia and American Modern.
Hagerty policies are written by Essentia Insurance Company, through Nutmeg Insurance Agency, a subsidiary of Hartford Fire Insurance Company. Haggerty is a trusted Hartford contributor with no direct affiliation with AARP.
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Summaries of coverages and policy features are for informational purposes only. In the event of a loss, the actual terms and conditions of your policy will determine your coverage.
AARP and its affiliates are not insurers. Paid support. The Hartford pays royalties to AARP for the use of its intellectual property. These fees are used for general purposes by AARP. AARP membership is required for program eligibility in most states.
The Hartford’s AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast. in California, by Hartford Underwriters Insurance Company. in WA, by Hartford Casualty Insurance Company. in MN, by Sentinel Insurance Company. in MA and MI, by Trumbull Insurance Company. in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The Hartford’s AARP Home Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast. in CA of Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company. in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest and Hartford Accident and Indemnity Company. and PA, of Nutmeg Insurance Company. Home product not available in all areas, including the state of FL. Savings, benefits and coverage may vary and some applicants may not qualify. The program is not currently available in Canada and US territories or possessions.
1 In Texas, Redpoint County Mutual Insurance Company’s auto plan through Hartford is provided by Southeast General Agency, Inc. The Home Plan is underwritten by Hartford Insurance Company of the Southeast. You have spent a lot of time and money on your classic, antique or vintage car. It is your pride and treasure. With all that time and money invested in your classic car, you’ll want to buy the right insurance. Since regular cars depreciate over time and classic cars usually increase in value over time, you will need a specialized car insurance plan to protect your beloved vehicle.
Emmaus, Pa Classic Car Insurance Agents
There are many insurance companies that offer classic car insurance. Some are large national carriers, others are smaller specialist carriers. Talking to a trusted independent insurance agent can give you many options and ensure you get the exact coverage you want without overpaying.
Classic car insurance is a special type of car insurance that covers different types of classic and antique cars. Classic car insurance is similar to standard car insurance, but there are key differences that reflect the unique nature of classic cars.
The main difference with classic car insurance is the way the car is valued. Standard auto insurance policies pay actual cash value, or ACV, for claims. Actual cash value takes into account the depreciation of the car’s value. And because cars lose value quite quickly, this can result in a claim check that is much lower than what you paid for your vehicle.
Both definitions are used to describe vehicles at least 20 or 25 years old. But there are vehicle subcategories used to describe different types of vehicles between 20 years old and over 100 years old.
Is My Car Too Old For Full Coverage?
In this article, the term “classic car insurance” is used loosely to describe any type of older vehicle, whether it is a true classic car, antique car, hot rod, modern collector car, or any of the other types of vehicles that are covered by the classic car umbrella.
As there is no standard definition of what a classic car is, other than that it is usually over 20 years old, each insurer may classify your vehicle a little differently. Usually this won’t affect your coverage, it’s just that each insurance company treats these types of vehicles a little differently.
These categories are not set in stone and vary by state and insurance company. They are mainly used to help organize the different types of vehicles, rather than just having a broad category of ‘classic’ cars.
Most classic car insurance companies have no problem insuring most of these vehicles. Standard insurance companies may only be willing to insure vehicles built after 1930 or 1940, which means you’ll need to find a specialist company that can insure one of these older types of vehicles.
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Classic car insurance is sold by many insurance companies, which usually also sell standard car insurance. Some of these companies are among the largest auto insurance companies in the country, such as Progressive, Safeco, and State Farm. But not every standard car insurance company sells classic car insurance.
Standard car insurance companies that insure your classic car may still not be the best insurance choice. They may offer a reduced value to your car, but they probably won’t come with any of the extra benefits and coverage options that specialist classic car insurance has.
There are other insurance companies that specialize in selling only classic cars
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