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frequently asked questions

getting your collector car insurance quote

Whether your pride and joy is a 1910 Model T or a 2008 Lotus Elise SC, this section has the answers you need to get a fast, free quote.

Before you get your quote

Collector, classic, vintage, or antique

Requirements and restrictions

Comparing collector car insurance quotes

Before you get your quote


Does my car qualify for collector car insurance?

Collector car insurance covers a broad spectrum of vehicles ranging from antique Model Ts to vintage John Deere tractors. You can get collector car insurance through our partner, Hagerty, for any collectible vehicle that sees limited use for pleasure driving, car shows, and club events. The types of vehicles you can cover with a collector car policy include:

  • Antique, vintage, and classic vehicles — automobiles manufactured anywhere from the beginnings of car manufacturing to 1948, from the Brass Era 1905 Jackson Model C to the '41 Chrysler Thunderbolt
    • Horseless carriages or brass cars: pre–1915
    • Antique and Nickel Era cars: pre–1925
    • Vintage: 1919–1930
    • Classic cars: 1925–1948
  • Newer limited production, exotic, and special interest vehicles — rare or limited-run vehicles from 1987 or later, including Ferraris, Lamborghinis, and Dodge Vipers
  • Modified vehicles: street rods, replicas, lowriders, and tuners
    • Street rods — vehicles that have been modified to significantly increase performance, structurally alter the body/chassis/frame, or that have a custom paint job valued above $10,000
    • Replicas and kit cars — high-quality, usually professionally built, reproductions of out-of-production models
    • Lowriders — vehicles modified with hydraulic or airbag suspension systems that allow them to be lowered almost to the ground or “bounced,” lifting the front end entirely off the ground
    • Tuners — generally Japanese, Asian, or European vehicles customized for looks and/or performance. These vehicles are usually 1990 and newer.
  • Muscle cars — 2-door vehicles manufactured in the U.S. in the 1960s and early '70s and powered by large V-8 engines
  • Modern classics — convertibles, 2-door sports cars, and foreign sports cars, often with a unique body shape and/or a big-block V-8 engine
  • Trucks and other utility vehicles — older trucks manufactured as late as the mid-‘60s that are no longer used for utility or work purposes
  • Vehicle trailers and street rod trailers
    • Vehicle trailers are designed to carry a collector vehicle
    • Street rod trailers (Coca-Cola trailers) — small custom-designed and -painted trailers commonly pulled behind street rods and customs
  • Retired commercial vehicles — including collectible fire trucks, semi tractor/trailers, busses, dump trucks, and tow trucks
  • Motorcycles and scooters — bikes from the late 1960s and older, though bikes 1981 or older that are collectible will be considered
  • Motorsports: pro-street and any raced vehicles — purpose-built vintage racecars as well as high-quality, excellent-condition modern racers (only off-track coverage is available through our partner)
    • Pro-street — racing vehicles with roll cages and tubbed rear wheel wells to accommodate wide racing-type tires, among other modifications
  • Vehicles under restoration — any collectible vehicle currently undergoing active restoration, which can be verified with photos and restoration details such as notes, build sheets, and invoices
  • Military vehicles — demilitarized (disarmed) military vehicles from 1974 or earlier that are properly garaged and not used for off-road fun or battle re-enactments
  • Tractors — tractors 30 years old or older, restored or in excellent original condition, and that aren't used for farming or tractor pulls

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What vehicles don't qualify for collector car insurance?

While our partner strives to cover as many types of autos as possible, some vehicles can't be covered due to their limited collectability, intended use, or the dangers involved in their use. You may not be able to cover your:

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Can I get my quote online?

Yes. You can get your collector car insurance quote online.

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What info do I need to get a collector car insurance quote?

You'll need the same info you use for your regular car insurance quote, with a few additional wrinkles. Here's what you need:

  • Vehicle info
    • Year
    • Make
    • Model
    • Value
    • Miles driven per year
    • Vehicle type
      • Motorsport
      • Pro-street
      • Tuner
      • Lowrider
      • Replica
    • Modifications (if any)
    • Storage type
  • Driver info
    • Date of birth
    • Points on your driving record
    • Years licensed
    • Current insurance info

To complete your quote, you'll also need at least one photo of your classic. See the table below for details.

  Stock (original) Custom or modified Classic pickup
Number of photos 1 4 2
Type of shot Full side view Full side view, engine, interior, and trunk Full side view and truck bed
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Do I need to have my collector car appraised?

No, an appraisal is usually unnecessary. Our partner Hagerty will contact you during the underwriting process if one's needed.

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How can I determine the value of my collector car without appraisal?

To get a realistic idea of your collector car's value, check the Hagerty Price Guide,
NADA Guides, Kelley Blue Book, and Edmunds. Getting multiple estimates will help you make a more informed declaration of your vehicle's value.

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Collector, classic, vintage, or antique

What's the difference between a collector car and a vintage, antique, or classic car?

We use the term "collector car" to indicate a broad range of vehicles that have collectible value due to their age, cult status, and/or rarity. Depending on the circumstances of its production and any modifications, a 2008 model can be a collector car just as easily as a century-old Model T.

Vintage, classic, and antique cars all fit in the category of collector cars that are valuable due at least in part to their age. We define antique, vintage, and classic vehicles in a broad manner, including vehicles built from the turn of the (last) century through 1969 in the category. Thus, the terms vintage, classic, and antique are essentially synonymous.

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Can you explain the differences between vintage, antique, and classic cars?

Yes. Though the 3 are synonymous for insurance purposes, collectors often use these terms to differentiate between collector cars of 3 distinct manufacturing periods: the vintage, antique, and classic periods.

Antique cars constitute the oldest class. Though the Antique Automobile Club of America classifies any car over 45 years old as an antique, popular usage hews to a narrower definition. To most collectors, an antique is any car built between the beginnings of car manufacturing up to the end of World War I in 1918.

The next oldest class, vintage, consists of automobiles manufactured between 1919 and 1930. The Classic Car Club of America puts the cut-off date at 1925.

Classic cars are fine, often limited-run, models produced between 1925 and 1948.

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Do different types of collector cars have different insurance needs?

They can, but a lot depends on how you use the vehicle. If you rarely take your heavily modified "tuner" to the streets it may need no more coverage than your '58 Edsel. If, on the other hand, you race a '61 Maserati, you'll need specialized coverage. (Our partner, Hagerty, can help you find off-track coverage that doesn't cover your racing.)

If you own a modern collectible that sees frequent use, or just have questions about your particular insurance needs, an experienced agent will be happy to help you through the process or just offer some expert advice.

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Requirements and restrictions

Are there any usage restrictions on collector car insurance?

We want you to enjoy your collector car to the fullest, be it a Brass Era antique or a road-scorching Lamborghini. Some uses are restricted, but your policy covers all kinds of pleasure use, from a Sunday drive around town to a quick road trip to the annual car show.

To qualify for coverage, your collector car:

  • Sees limited use
  • Isn't your everyday vehicle
  • Is securely stored

Our partner, Hagerty, doesn't set a specific mileage limit, allowing you to enjoy your collector vehicle as you want to. However, our partner is unable to provide coverage for drivers with a serious moving violation in the last 5 years. If you have specific usage questions, send us an email.

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Are there any storage requirements?

A wide variety of storage options fit the bill, but your vehicle must be enclosed and secured in some manner. Whether that's in a padlocked and video-surveilled spot at a storage facility or the carport in your driveway may have an impact on whether your vehicle qualifies, as well as your premium. You can find out more in just a couple minutes by getting your quote.

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I race my collector car. Can you cover me?

Our partner's collector car insurance coverage isn't designed to protect those who race. However, you can get coverage for off-track use of your classic ride.

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Do I need driving experience to insure my collector car?

Yes. You must have at least 5 years of driving experience to get collector or classic car insurance through Esurance.

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I'm restoring my collector car. Can you cover it?

Restoration is a key element of the vehicle-collector world. In fact, you can get extra coverages on a vehicle you're restoring, including quarterly value increases, increased tool coverage, and access to convenient towing.

You'll need to prove that you are actively restoring your vehicle, so take photos and jot down detailed notes through the restoration process.

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What other drivers can I cover with my collector car insurance?

You can add as many drivers as you want when you get your quote. Any driver you include on your policy will need at least 5 years of driving experience and a driving record free of major violations.

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How many vehicles can I cover with one collector car insurance policy?

There's no limit to how many vehicles you can cover under one policy, though vintage motorcycles may require a unique policy. Your agent will help you determine whether your motorcycles require their own policy.

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Can I cover my modified car, kit car, or replica?

Yes, you can get collector car insurance on many modified vehicles, kit cars, and replicas through Esurance. Since kit cars are either professionally assembled or built at home, Hagerty's agents take a close look at such vehicles before underwriting. Most home-built kit cars may be denied because of the increased risk involved. Replicas that our partner covers include cars no longer in production, such as a Renault Type BH or Porsche 550 Spyder.

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Comparing collector car insurance quotes

Why do collector car insurance quotes vary?

Individual collector car insurance quotes will vary depending on many factors, including the age, make, and model of the vehicle you're insuring, plus your own driving habits and history.

Individual insurers offer differing quotes on the same vehicle due to their own coverage history and operating costs. As always, we recommend shopping around and comparing coverages side by side before buying your policy.

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What factors should I consider when comparing collector car insurance quotes?

You'll want to evaluate many of the same factors you do when comparing other forms of insurance. To make your comparisons more accurate, and therefore useful, make sure that the deductibles, limits, and coverage options match. That way, you'll be able to clearly see when you're getting more for less — and vice versa.

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Still mystified? Just shoot us an email or ask us on our Facebook Wall. We'll get back to you as soon as possible.

This page is intended to provide you with general information about collector car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, including limitations and exclusions, we encourage you to read your policy contract and consult your insurance representative with any questions.

Collector car insurance covers:

  • Antique, vintage, and classic vehicles
  • Newer vehicles: limited production, exotic, and special interest vehicles
  • Modified vehicles: street rods, replicas, kit cars, lowriders, and tuners
  • Muscle cars
  • Modern classics
  • Vehicle trailers and street rod trailers
  • Trucks and other utility vehicles
  • Retired commercial vehicles: fire trucks and other commercial vehicles
  • Motorcycles and scooters
  • Motorsports: pro-street and raced vehicles
  • Vehicles under restoration
  • Military vehicles
  • Tractors