Do specialty insurance programs have a vehicle age cutoff?
While the old standard used to be 25 years and older, it is always best to inquire on a per-vehicle basis. We take a much broader view about the age of the vehicles we will insure. There are new cars that are insurable as collector cars. These tend to be exotics and sports cars, however. Is there specialty insurance for street rods and customs? Yes. Rods and customs are a very important part of American automotive history. But because the very nature of these cars is that each is unique, there are some differences in how they are insured. The difficulty is in determining their value. You can’t just look in a value guide to see how much they are worth. So we dig a little deeper into the mechanical and aesthetic modifications made to the car, its horsepower, suspension system, paint scheme, etc. It doesn’t take long to determine a value based upon the base value of the car to begin with, then the parts and labor that were added. Quality of the parts and workmanship are important factors.
