Those who aren’t immersed in vehicle enthusiasts’ culture may buy into the misconception that classic and vintage cars are the same. While both types of cars do stand apart from more modern vehicles, that one similarity doesn’t necessarily make them identical. Here’s a quick breakdown explaining classic vs. vintage cars so you can pick the best insurance policy for your collector vehicle.
How Old Is the Car?
Generally, in order for a car to be considered a classic, it must be at least 20 years old. Certain car clubs and insurance companies subscribe to different — sometimes overlapping — philosophies, but the 20-year rule appears to be the most widely accepted. For example, the Classic Car Club of America applies stricter regulations for which types of vehicles can be considered classic. The CCCA only bestows the classic title on cars that were manufactured between 1915 and 1948.
For a car to be considered vintage, it needs to have been manufactured between 1919 and 1930. This is where the definitional overlap can cause confusion. A car could potentially be considered both classic and vintage.
Why Does It Matter?
Different insurance companies define types of collector vehicles in various ways. The laws vary from state to state. Some jurisdictions sort the two types of vehicles into the same category.
Whether you choose to own a classic or a vintage car, it’s important to make sure that it’s protected. Speak with your insurance company about what types of classic car insurance is best for your vehicle.