Antique Car Insurance Tx
Antique Car Insurance Tx
Determining Whether Your Car Is Antique Or Classic
For aficionados of classic auto designs of yesteryear, nothing beats a perfectly restored classic or antique car. Elegant line, solid construction, dazzling chrome and even genteel carriage evoke pleasant memories of the past, transporting us into personal fantasy where “They don’t make them like they used to” never rings false. But how are you supposed to know if your hobby cars are classical or antique? There are some guidelines, thankfully. Just remember, whether a car is classic or antique, it should generally not be used as a daily commuter, unless you have unlimited funds at your disposal and don’t need auto loans to purchase vehicles.
Article Resource: How to determine if you have a classic or antique car
Aren’t ‘classic car’ and ‘antique car’ the same?
Some people think classic and antique are the same while that isn’t necessarily true. According to Wikipedia, some car aficionados in the United States use “classic car” to refer to high-quality vehicles from the pre-World War II era. However, according to U.S. auto insurance laws, 20 years of life for a car is approximately double the expectancy intended for most modern cars, so the “classic car” title sets in after a car is 20 years old. And classic or antique car insurance tends to be almost always more expensive than insurance for any standard vehicle because older models don’t have the same safety features that come standard in newer cars. In the United Kingdom, the term “antique car” isn’t used, although they do use the phrase “vintage” to refer to vehicles more than 100 years old.
Get a hold of the Classic Car Club of America
The Classic Car Club of America (CCCA) has many people who live and breathe classic and antique cars. They have their own stringent standards to determine whether a car is to be considered “classic” or “antique”. Classic is what they call cars that are considered expensive mass market vehicles made between 1949 and 1985. Classic cars don’t have to be made in America, but still should contain original parts. The Antique Automobile Club of America classifies any car older than 25 years antique, but “the legal definition for the purpose of antique vehicle registration varies widely,” according to Wikipedia.
Things are different in the UK
Car insurance companies in the UK also play a role in defining what “classic car” means, but the timeframe is just a bit different. Cars made 15 to 25 years ago are considered modern classic cars, but to confuse things a bit, UK insurance companies aren’t sticklers about this. Cars not in the guidelines are still collectible sometimes.
Final word on the classic car insurance
From a financial standpoint, funneling a great deal of money into maintaining and restoring a classic car or antique car makes insuring it essential. You should discuss the matter with a licensed insurance agent if you want to fully protect your classic or antique car investment.
More information on this topic:
Wikipedia (classic car)
http://en.wikipedia.org/wiki/Classic_car
Wikipedia (antique car)
http://en.wikipedia.org/wiki/Antique_car
HowToDoThings.com
http://www.howtodothings.com/automotive/how-to-determine-if-your-car-is-a-classic
Classic Car Club of America
http://www.classiccarclub.org/
Antique Car Insurance – Auto Insurance for Classic Cars
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