Classic Car Insurance Coverage
The AARP Auto Insurance Program from The Hartford offers auto insurance for your "everyday" vehicles as well as your antique or classic auto - all in one convenient place. One of the questions we field most often for this category is, “What is the difference between an antique auto and a classic auto?”
What is an Antique Auto?
For the AARP Auto Insurance Program from The Hartford, an antique auto is 25 or more years old and is maintained primarily for use in exhibitions, club activities, parades, and other functions of public interest.
Antique Auto Coverages
In most states, the amount of coverage provided for an antique auto is determined using "stated amount" - an amount that you (the policyholder) and The Hartford state as the maximum value for the vehicle.
In some states, the AARP Auto Insurance Program from The Hartford is introducing antique auto coverage based on "agreed value". This is the amount of coverage that you and The Hartford agree on as the value for the antique auto, based on a recent, certified appraisal. The following coverages are available for antique autos (varies by state):
- Bodily Injury Liability
- Property Damage Liability
- Comprehensive (mandatory for antique autos)
- Collision (mandatory for antique autos)
- Medical Payments
- Personal Injury Protection
For an additional premium, you may be able to add the following optional coverages (varies by state):
- Towing and Labor
- Rental Reimbursement
- Full Glass
What is a Classic Auto?
Classic autos are generally autos that are 10 or more years old and have a higher than average value.
Classic Auto Coverages
In most states, the amount of coverage provided for a classic auto is determined using “stated amount” - an amount that you (the policyholder) and The Hartford state as the maximum value for the vehicle. Coverages available for classic autos include (varies by state):
- Bodily Injury Liability
- Property Damage
- Uninsured/Underinsured Motorist
- Medical Payments
- Personal Injury Protection
- Comprehensive
- Collision
For an additional premium, you may be able to add the following optional coverages (varies by state):
- Towing and Labor
- Rental Reimbursement
- Full Glass
