What classic car insurance covers – and doesn’t (2024)

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e=r.searchBoxForm.querySelector("[name=fr]"),n=r.searchBoxForm.querySelector("[name=fr2]");e&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr&&(e.value=i.searchBox.params.fr,e.disabled=!1),n&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr2&&(n.value=i.searchBox.params.fr2,n.disabled=!1),r.searchBoxForm.submit()}}),1e3)},r.recognition.onspeechstart=function(){},r.recognition.onspeechend=function(){r.recognition.stop()},r.recognition.onerror=function(){r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_error")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play()},r.recognition.onaudiostart=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.add("listening")},r.recognition.onaudioend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("listening")},r.recognition.onsoundstart=function(){r.hideTrending(r),r.noSpeech=!1,r.speechButtonContainer&&(r.speechButtonContainer.classList.remove("listening"),r.speechButtonContainer.classList.add("speaking"))},r.recognition.onsoundend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("speaking")},r.recognition.onstart=function(){r.recognitionInit(r),r.startRecognition(r)},r.recognition.onend=function(){r.isRecognitionStart=!1,0==r.noSpeech&&""==r.speechResult&&(r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_nomatch")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play())},document&&document.dispatchEvent&&document.dispatchEvent(new Event("VOICE_JS_READY"))}}o.I18n=m,o.prototype.renderPermissionGuide=function(e){var n='\n

    \n

    \n

    \n

    \n

    \n

    \n

    \n

    '.concat(e.i18n.t("search.voice.permission_title"),'

    \n

    ').concat(e.i18n.t("search.voice.permission_text"),"

    \n

    \n

    \n

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    \n

    \n

    \n

    \n

    \n

    \n \n \n \n \n \n \n

    \n

    \n

    \n \n \n '.concat(e.i18n.t("search.voice.recognition_retry"),'\n

    \n

    \n

    \n

    \n

    \n

    \n ').concat(e.i18n.t("search.voice.trending_title"),'\n \n

    \n

    \n

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e)&&("SpeechGrammarList"in e||"webkitSpeechGrammarList"in e)}}],d=0;d0){var n=e.speechResult.charAt(e.speechResult.length-1);"."!==n&&"?"!==n&&"。"!==n&&"?"!==n||(e.speechResult=e.speechResult.slice(0,-1))}},o.prototype.sendBeacon=function(n,t){var o=e.YAHOO.ULT||{},i=e.YAHOO.SB||{};if(o.beacon_click){var r={_S:i.config.i13n.spaceid,_I:i.config.i13n.pvid,actn:n,sec:"search",slk:t};e.YAHOO.ULT.beacon_click(r)}},o.prototype.ajaxReq=function(t,o){var i,r,a=XMLHttpRequest.DONE||4,s=new XMLHttpRequest;if(n.documentMode&&n.documentMode<10)return(new e.XDomainRequest).onload=function(){try{r=JSON.parse(i),o(r)}catch(e){return}},s.open("GET",t),void s.send();s.onreadystatechange=function(){if(s.readyState===a)if(200===s.status){i=s.responseText;try{r=JSON.parse(i),o(r)}catch(e){return}}else o(r)},s.open("GET",t,!0),s.timeout=1e4,s.send()},e.YAHOO||(e.YAHOO={}),e.YAHOO.Util||(e.YAHOO.Util={}),e.YAHOO.Util.VoiceSearch=o}(window,document)}();var Wn={containerClass:Un.tooltip,textClass:Un.tooltip__text,showClass:Un["tooltip--show"]},Jn=["zh-hant-tw","zh-hant-hk"];ye("ybar-mod-searchbox",(function(e){var n={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(Un["sa-btn-bar"])),voiceSearchBtn:document.getElementById("ybar-sbq-voice"),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(Un["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(Un["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(Un["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x")};!function(e,n){var t,o,i,r=e.getConfig();if(n.ybar&&"desktop"===r.device&&(null===(t=r.bucketConfig)||void 0===t?void 0:t.highlight_searchassist)&&(null===(o=r.bucketConfig)||void 0===o?void 0:o.overlay_class)){n.ybar.setAttribute("data-ovrly-bkt",r.bucketConfig.overlay_class),null===(i=n.searchForm)||void 0===i||i.classList.add(Un[r.bucketConfig.overlay_class]);var a=document.createElement("div");a.classList.add(Un.overlay,Un[r.bucketConfig.overlay_class]),document.body.appendChild(a),e.onDestroy((function(){document.body.removeChild(a)})),e.addElementListener(n.searchForm,"focusout",(function(e){if(n.searchForm&&n.searchInput){var t=e.relatedTarget;t&&!n.searchForm.contains(t)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,n),Fn(e,n),n.voiceSearchBtn&&function(e,n){var t=e.getConfig(),o=t.locale,i=function(){var e,t;(null===(t=null===(e=window.YAHOO)||void 0===e?void 0:e.Util)||void 0===t?void 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    What classic car insurance covers – and doesn’t (2024)

    FAQs

    What classic car insurance covers – and doesn’t? ›

    Classic car insurance covers your vehicle's agreed value, the amount you and your insurer agree your car is worth. If there's a covered total loss, you'll receive the full value of your vehicle, minus any deductible.

    What are the limitations to classic car insurance? ›

    Qualifying for classic car coverage

    Limited use – Your classic car cannot be used for everyday commuting or errands, and your policy may include mileage limitations and proof the car is being properly garaged if you do travel with it. In some cases, insurers may require that you also own a primary car for everyday use.

    Should I get full coverage on a classic car? ›

    It's usually worth dropping full coverage on an older car if its value is less than a few thousand dollars, as long as there's no loan on it. The more your car depreciates, the less you'll get from the insurance company after an accident or theft.

    What is the best insurance for old classic cars? ›

    Best Classic Car Insurance Companies of 2024
    • American Collectors – Best for Annual Mileage Limit Options.
    • American Modern – Best for Occasional Commuting.
    • Leland-West – Best Overall Classic Car Insurance Company.
    • Chubb – Best for OEM Parts Repair.
    • Hagerty – Best for Restorations.
    • Condon Skelly – Best for Lay-Up Discount.
    Jan 26, 2024

    What is the cheapest classic car to insure? ›

    Here are a few of the cheaper classic cars to insure:
    • Toyota MR2.
    • BMW Z3.
    • Ford Fiesta Mk1.
    • Renault 5 Mk1.
    • Land Rover Defender.
    Jan 23, 2024

    Does State Farm own Hagerty? ›

    Fintel reports that State Farm Mutual Automobile Insurance has filed a 13G/A form with the SEC disclosing ownership of 50.00MM shares of Hagerty Inc - Class A (HGTY). This represents 60.09% of the company.

    How many miles can you do on classic car insurance? ›

    Classic car insurance policies have a limited use provision. This only allows use of the car for travel to auto shows and auto club meetings. Typically, insurers place a maximum annual mileage restriction for antique car insurance. This varies by state but usually doesn't exceed 7,500 miles per year.

    Should I have full coverage on a 20 year old car? ›

    Full coverage insurance isn't typically required for used cars. However, you may want to get this type of policy if your used car's actual cash value (ACV) is significantly higher than the annual cost of a full coverage policy. ACV refers to the market price of your vehicle.

    Can I drive my classic car every day? ›

    Can a classic car be a daily driver? Yes, it's possible to use a classic car as your daily driver. The car must be roadworthy if you're going to use it frequently, which usually means more maintenance and repair.

    What is the best car insurance for older cars? ›

    Hagerty, Grundy, American Collectors, American Modern and Heaco*ck provide the best car insurance for old cars. These companies are the best options for classic car insurance because of their fair rates, accessibility and experience in the industry.

    Why is classic car insurance so cheap? ›

    Yes, older cars are cheaper to insure than newer cars in most cases because older cars are less valuable, so an insurer won't have to pay out as much in the event of a total loss. Plus, once an old car falls below a certain value, you may not have to pay for comprehensive and collision insurance anymore.

    Which insurance is best for an old car? ›

    A Third-Party Car Insurance Policy is mandatory, be it a new or old car. But you can consider buying the Comprehensive Insurance Policy for your old car as it provides all-round coverage for your car.

    Why is my insurance so high for an old car? ›

    For one, if you're in an accident, repair costs for an older car tend to be higher because the parts are more scarce. That's one major reason your insurance company might charge a higher premium anticipating higher repair costs in the event of an accident.

    Who is known for cheapest car insurance? ›

    Cheapest car insurance companies
    • Best for discounts: Geico.
    • Best for full coverage: Nationwide.
    • Best for minimum coverage: Auto-Owners.
    • Best for customer satisfaction: Amica.
    • Best for military members and veterans: USAA.

    Do classic cars have high insurance? ›

    No, classic cars don't cost more to insure. This may seem surprising based on their age and value, but because classic cars are generally driven less and are well taken care of, they cost less to insure.

    Which type of insurance would be best for a very old and cheap vehicle? ›

    Rather than only covering your older car up to its depreciated value, classic car insurance provides coverage up to an "agreed value," which can factor in any restoration work completed and market demand for the vehicle.

    What qualifies a car to be a classic? ›

    Though the exact definition of “classic car” differs by state, the Car Club of America classifies this type of vehicle as a “fine” or “distinctive” automobile assembled between 1915 and 1948. California describes a “classic car” as a vehicle that is at least 25 years old.

    How many miles can you drive a classic car? ›

    So classic car insurance companies will often set a limit that usually ranges from 3,500 to 10,000 miles per year. Enclosed storage: You'll likely be required to prove you have an enclosed space (garage or storage) to protect your classic vehicle from the elements and theft.

    How long until a car is considered a classic? ›

    The starting classic car age range can generally be anywhere from a minimum of 10 to 25 years old, but there's no agreed-upon minimum age that categorizes a car as a classic. Insurance companies, car collecting clubs, and state BMVs and DMVs all have their own methods for defining a classic car.

    Can you insure a classic car as a daily driver? ›

    If you drive your classic car every day, you'll need a standard auto insurance policy rather than classic car insurance. Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

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