Almost everyone likes to drive a classic car on occasion. The feel of the steering, the way the engine purrs when you give it gas, the way the leather smells when you first get it. It feels almost magical, like something from a bygone era, but it’s still a car and can get you from point A to point B.
Classic car owners in Sandy, UT often ask themselves if they should take out a standard insurance policy on their vintage car. Christensen Insurance Group has the experience and expertise to answer that question.
The Difference Between Vintage Car Insurance and Standard Auto Insurance
When finding the right car insurance policy, classic car owners should remember that there are two main types of car insurance: standard and specialty. Most standard car insurance policies cover the vehicle and the owner for basic loss and damage.
Classic car owners should consider purchasing specialty car insurance, which will provide additional coverage for the vehicle, such as collision, comprehensive, and theft. Some specialty car insurance policies offer a different range for the owner, such as disability and critical injury.
Which Vehicles Qualify As Vintage Cars?
For most people, the first thing that comes to mind when they think of a classic car is a car from the 1950s. However, in Utah, the definition of a "vintage" vehicle is much stricter. The Utah legislature has defined a "vintage" vehicle as any vehicle that is:
- Over 30 years old
- It is not used for general transportation purposes
- It is considered a collector’s item
- It is primarily used for display purposes in clubs, exhibits, parades, and other light uses
Do you own a classic/vintage car in Sandy, UT? Let Christensen Insurance Group help you protect your investment with a customized insurance policy today.