Coverage Classics: Must-Have Insurance Protections For Vintage Cars

detail photograph

Vintage cars are unique and valuable investments. Whether you own one or more of these vehicles, you’ll want the right insurance coverage to protect it. Here are the key insurance coverage types to have if you own a vintage car.


Liability coverage is essential for anyone who drives a vehicle. It pays for damage to another person’s property or an injured person’s medical bills, up to your chosen coverage limits. For vintage cars, you’ll want to make sure that you have adequate limits to cover the full value of the car in case of an accident.

Collision Coverage

Collision coverage helps you repair your vintage car after an accident. It will cover the cost of repairs or the replacement up to a certain value, depending on your chosen coverage limits. Make sure to check that the coverage limits are set high enough to cover repairs or replacement of your vintage car.

Comprehensive Coverage

Comprehensive coverage protects your vintage car from damage due to non-accident related reasons such as theft, fire, vandalism, or natural disasters. Making sure that your policy offers sufficient protection against these events will help protect your car from unexpected losses.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist Coverage protects you in the case that the other driver is at fault and does not have enough insurance coverage. This coverage will help pay for your repair costs and medical bills if you’re in an accident with an uninsured or underinsured motorist.

Gap Insurance

Gap insurance is a good option for those owning a vintage car. It covers the difference between the actual cash value of your car and the amount you owe on a loan or lease, in the event that your car is totaled in an accident.

Finding the right insurance coverage for your vintage car can be confusing and time consuming, but it is essential for protecting your valuable investment. Make sure to understand the various types of coverages available and select the ones that best fit your individual needs.