, cars are usually considered classic cars if they’re over 25 years old. You can get customized coverage and save money on your vintage model by purchasing
Classic cars need more protection than your everyday commute-to-work car. You probably don’t drive your classic car as often, and replacement parts can be difficult to find. Additionally, it’s most likely more expensive than your average vehicle.
In Georgia, your vehicle would be considered a classic if it’s at least 25 model years old. Your specific insurance company may have additional eligibility requirements.
You need to register your classic car with the local county tag office, and you will be eligible to register for an authentic historical license plate from the Georgia Department of Revenue if your car was produced before 1990.
Additionally, you need a title on your car if it was built after 1962.
In Georgia, the minimum coverage required for a classic car is as follows:
Covers damages if you’re involved in an accident and the other driver doesn’t have car insurance.
Agreed value coverage
If you’re in a covered accident and your classic car is a total loss, you’ll receive the full agreed-upon value (minus your deductible), so you don’t have to worry about depreciation rates.
Flexible mileage
Allows you to customize your policy based on how often you drive your classic car.
Coverage for tire changes, towing, and other unexpected expenses that aren’t part of a typical policy.
Spare parts
Covers the cost of fixing or replacing classic spare parts—even ones that are expensive or hard to find.
What impacts the cost of classic car insurance in Georgia?
Classic car insurance is usually less expensive than your typical auto insurance policy, although the types of coverage you choose will make a big difference in determining your overall cost.
Some other factors that will impact the rates on your classic car insurance are:
Model year
Stated or guaranteed value (higher values usually correlate to higher insurance prices)
Mileage (higher mileage usually correlates to higher insurance prices)
Classic or antique cars usually need more protection than a standard car insurance policy can provide in the event that your car gets damaged or stolen.
If your car has a higher value than its original selling price, it might be considered a collectible car, and it might qualify for specialized classic car insurance as a result.
Some of the benefits of investing in classic car insurance are:
Your rates tend to be 40% to 70% lower than regular car insurance
You can get higher coverage limits
Your deductible options will be flexible
Your claims will be handled by car enthusiasts
You can get discounts on certain car club memberships
Do I need classic car insurance?
If you have any of the following, you likely need specialty coverage:
Antique & classic cars
Vintage boats
Modern collector vehicles
Modified vehicles
Classic trucks and utility vehicles
Motorsports vehicles
Vintage motorcycles and scooters
Retired commercial vehicles
Collector trailers
Vehicles under construction
Classic military vehicles
Antique tractors
What is classic car insurance?
Classic car insurance will give you a lot of the same coverages that are available on a regular auto insurance policy, but this protection is specifically geared toward classic or antique cars.
What is a classic or antique car?
Classic and antique cars are generally considered older cars that have some kind of historical interest.
In the insurance world, the age of the car usually determines the difference between a classic car and an antique:
A classic car is typically defined as being between 10 and 24 years old
An antique car is typically defined as being at least 25 years old
Are classic cars cheaper to insure?
Classic car insurance is usually less expensive than regular car insurance and offers flexible usage options for your specific make and model. Because each car is unique, there is no set rate for your insurance premiums. The car’s value will be negotiated with the insurer.
Many classic car insurance policies also have specific requirements for classic vehicles or antique cars that they cover, like:
The car must be stored in a secure location
The car cannot be frequently driven
The car must be preserved in its original condition or be actively undergoing restoration
The driver must be at least 25 years old and have five to ten years of driving experience
is a great product with great customer service! The quote comparison found me lots of options being in Georgia.” ––Gregory K.
FAQs
How do I register my classic car in Georgia?
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Take the authentic historical license plate and completed form T-224 Affidavit of Ownership to your local county tag office. There, they’ll issue a current license plate and registration.
Are classic cars hard to insure?
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Collector cars or vintage cars are notoriously underinsured for damage if you go with standard car insurance because insurance agencies assume the car’s value will go down as it ages. This is why it’s important to go with collector car insurance since it properly values the vehicle.