If you’ve ever owned a vintage vehicle—or even fantasized about it—you’re likely aware that it’s more than just a means of transportation. Whether it’s a car you’ve painstakingly restored from scratch or one that’s been handed down through generations, ensuring its proper protection is crucial. At Kimberly J. Brennan Agency, serving the Patterson community and the state of New York, we help car enthusiasts choose the right insurance for their unique vehicles.
Defining "Classic," "Antique," and "Collector" Cars
While these terms are often used interchangeably, they actually carry distinct meanings in the insurance world. A classic car is typically between 20 and 40 years old. It’s often maintained in good condition and driven occasionally, like to car shows or weekend outings.
An antique car is usually at least 45 years old. These vehicles are often restored or preserved to reflect their original condition, and they’re typically not used for everyday driving. Insurers may require limited mileage and secure storage.
Then there are collector cars, which don’t always fall into a specific age range. These vehicles are valued for their rarity, uniqueness, or historical significance. Think limited-production models, exotic cars, or even newer vehicles that have already become iconic.
Ensuring Coverage Matches Your Car’s Value
Standard auto policies aren’t designed for cars with special value. Classic, antique, and collector car insurance typically includes agreed value coverage, limited-use terms, and protection for restorations and original parts.
At Kimberly J. Brennan Agency, proudly located in Patterson and serving New York, we understand how much your vehicle means to you. Reach out today to find coverage that fits your car—and your passion.
