We know that antique and classic vehicles require special care and attention.
This is why we partner with Hagerty to offer car insurance that is specific to antique and classic vehicles. See below for types of antique and classic vehicles we cover, as well as discounts and additional rating available.
Benefits of the Hagerty Program
- No appraisals- You know what their cars are worth. In most cases, we simply take your word.
- Multi-vehicle liability discounts
- Collectors pay less for liability rating.
- Repair shop of choice – Select the repair shop you want or fix it yourself.
- New purchase rating (up to $25,000) – Immediate rating for your newly purchased collector vehicle
- Hagerty plus – The only roadside assistance program designed specifically for collector cars, offering superior benefits and greater convenience than any other program on the market.
- Guaranteed flatbed recovery with unlimited service events.
- Hagerty Plus clients also receive Registered Membership in the Historic Vehicle Association and many other benefits
Antique & Classic Vehicles
Stock vehicles built from the turn of the century through the 1960s are included. Examples are:
- Horseless Carriages or Brass Cars (Pre-1915)
- Antique and Nickel Era Cars (Pre-1925)
- Classic Cars (1925 – 1948)
- Post-War Classics
- Stock Vehicles (up to 1969)
The hobby of collecting antique tractors is a small, but very enthusiastic, segment of the collector vehicle market. To be classified as an antique farm tractor, the vehicle must be from 1980 or earlier, but in restored or excellent original condition. The vehicle must be used similar the a collectable vehicle, not for utility or farm usage. Finally, the tractor must be stored in a garage and have a minimum value of $3,500.
Modern Classic Vehicles
Modern Classic Vehicles are collectible vehicles from the 1970s and early 1980s. To be included in this category, the vehicle must fit a number of specifications. First, the vehicle must show a trend of an increasing market value. Second, an owner of a 1970s or early 1980s vehicle must demonstrate that he or she is treating the vehicle like a collectible. Examples of appealing and collectible vehicle characteristics include:
- 2-door sports cars
- Unique body shapes
- Foreign sports cars
- Muscle cars
Exotics and Special Interest Vehicles
Exotic vehicles stand on their own as collectible cars because of their extremely limited production. Exotic vehicles must be 15 years old or older, and generally have production numbers of less than 3,000 per year. Vehicles of this type typically maintain a value of $100,000 or more. Sports cars and/or special-edition vehicles are characteristics of Special Interest. Most hobbyists would consider a Special Interest vehicle collectible once it becomes 25 years old
Most Military Vehicles
Older military vehicles are becoming increasingly popular, making them a growing segment of the collector vehicle hobby. Due to this, we offer a program to cover military vehicles that have been purchased as a collector vehicle. These military vehicles must be from 1985 or older, with a minimal insured value of between $3,500 and $5,000. The vehicles must also be de-militarized, and not used for off-road usage or battle re-enactments. Some examples of these vehicles are:
- WWII Jeep
- Half Track Vehicles
A replica car is a reproduction of an automaker’s manufactured vehicle that are no longer in production. They can either be professionally assembled or home-built and, because of this, they will vary greatly in their quantity level. Some examples are:
- 1950s Porsche Speedster
- 1920s Mercedes Roadster
A vehicle is considered modified when the performance has been significantly increased, the body/chassis/frame has been structurally altered or a custom paint job is valued above $10,000
Antique Fire Trucks
Antique fire trucks include vehicles from 1982 or older that have retired from service.