While most collectible automobile insurance policies are relatively similar, the way carriers classify different types of collectible vehicles, including some types they exclude coverage for, is important to understand. Although definitions, years and descriptions can vary from insurer to insurer and state to state, the most common collectible auto categories are below. We generally will use classic and collector car insurance interchangeably for the purposes of simplicity.
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Coverage for collectible vehicles is almost always less expensive than conventional automobile insurance due to the fact that you drive much fewer miles every year and you are likely to keep the vehicle sheltered and in good condition. Nevertheless, the cost of classic or collector insurance is calculated similarly to common auto insurance.
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