If you have ever been to a speedway, drive in restaurant or local antiques car show you may have seen or admired a vintage car. There are many hotrods or classics humming through the streets, but what if you are a first time buyer, or collector looking to expand your collection? It is important to understand what actually constitutes a vintage car, and the car insurance for vintage cars, along with collector car insurance rates.
A vintage car is a vehicle manufactured from the period of 1919 to 1930 either domestically or foreign made. The best way to determine if your vehicle is vintage versus other categories such as classic, or antique, is to find out the manufacturing date by checking the Vehicle Information Number. A value of a vintage vehicle can sometimes be determined by the number of units, or the historic value of the vehicle. Vintage cars are appealing because of their collectability, and distinctive looks, but especially because of their history, which makes them unique.
Originally in the late 1800's and early 1900's cars were bulky, luxurious play toys for the rich. Due to the new implementation of the assembly line trial and the evolution of both the consumers and vehicle manufacturers, there are many different vintage car models with unique features were produced. For example the first road able vintage cars used levers to steer instead of steering wheels. During the vintage car era there would be the development of front mounted engines, the introduction of close bodied cars with heating systems, and safety systems. Originally there were not regulations on car breaks, or seatbelts, and these were not introduced until the 1960's! Similarly to the unique features of vehicles themselves, the car insurance for vintage cars is unique as well.
Vintage car insurance is different than regular car insurance. A regular vehicle insurance policy generally covers daily activities, and collision coverage. The amount a vehicle is used plays a factor in the terms of the insurance policy, and effects which policy you should obtain. A vintage vehicle is usually a secondary form of transportation, less likely to leave the drive way, which is important to keep in mind when selecting vintage auto insurance. When buying custom vehicle insurance for vintage cars be aware that it is specialty insurance and it may come with mileage restrictions or only be effective at certain events or during certain situations. It is also very important to verify that your vehicle is indeed vintage, you must emphasize the difference between the vehicle being collectible rather than simply "older."