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Q

How old does your car have to be to be a classic?


A

The definition for a "classic" car differs depending on if you are getting the definition from a car club, insurance company or Department of Motor Vehicles.

The Classic Car Club of America (CCCA) has a list of cars that are recognized qualifiers as classic. The CCCA's definition of classic refers to cars made between 1925-1948, however there are many exceptions to this long list. The list is very specific as to what makes of each model are given the "classic" designation.

Most insurance companies consider your car is an antique or classic if it is at least 15 or 20 years old or older (depending on where you live), garaged when not in use, and driven less than a set amount of miles (generally less than 2,500 miles per year but some insurance company gives up to 5,000 miles/year).

Many insurance companies also require that you own at least one other vehicle for "regular" use. Regarding the insurance itself, if you have more money in your car than what the blue book lists, you will need to get it appraised and get and get a "stated" amount or "agreed value" insurance policy.

These types of policies differ slightly but generally the insurance company and the vehicle owner discuss the true value of the vehicle so that it is covered up to that dollar amount in the policy. Follow this link to our partner Safeco for a classic car insurance rate quote.

Now the Department of Motor Vehicles (DMV) definition for a class car differs from state to state. In general though a Classic Car is any vehicle older than 15 years while an Antique is 25.

For example the Pennsylvania DMV defines a classic car as a motor vehicle, but not a reproduction thereof, manufactured at least 15 years prior to the current year which has been maintained in or restored to a condition which is substantially in conformity with manufacturer specifications and appearance.

In PA an antique is defined as a motor vehicle, but not a reproduction thereof, manufactured more than 25 years prior to the current year which has been maintained in or restored to a condition which is substantially in conformance with manufacturer specifications.

To find out your state's definition of a classic car and how old it must be to be considered a classic or antique check with your state's DMV.


Categories:
  • Umbrella insurance
  • Classic car insurance
  • Temporary car insurance

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