Classic car insurance differs significantly from standard car insurance due to factors such as cost, usage, storage requirements, and the unique systems involved. But what exactly makes a car a classic? Is it simply the age? The make or model? Its rarity? Or could it be a combination of these factors? According to the Classic Car Club of America, a classic car is defined as an unmodified model of any country of origin built between 1915 and 1948 (though this date range is subject to change). However, other factors may also influence whether your car qualifies as a classic for insurance purposes.

Classic, Antique, or Vintage

Technically, any car older than 20 years is considered a classic. That means if you’re older than 25, the car your mom drove you to kindergarten in could now be classified as a classic. Even the cars featured in the first The Fast and the Furious movie might qualify as classics. If a car is older than 45 years, it is considered an antique—yes, even a Pontiac Astre could be an antique. Cars built between 1919 and 1930 are classified as vintage, such as the iconic Model T.

Other factors, such as styling and cultural impact, can also play a role in determining a car’s classic status. Limited production runs may elevate a car’s status as a classic. For example, the Aston Martin DB10 featured in Spectre might be considered a classic despite being only 10 years old, simply because of its appearance in a movie. For insurance purposes, factors such as age, usage, manufacturing details, weight, historical interest, and storage conditions are all taken into account.

Contact Gateway Property & Casualty in Dover, NH

If you’re in the Dover, NH, area and need to insure your classic car, contact Gateway Property & Casualty. We’re here to help you find the right coverage for your treasured vehicle.