Coverage Guide
Antique Car Insurance Guide
Vehicle eras and coverage options
Vehicle Era Rates
| Era | Description | Rate Factor |
|---|---|---|
| Brass Era (Pre-1916) | Earliest automobiles | ×1.5 |
| Vintage (1916-1930) | Model T era | ×1.3 |
| Pre-War (1931-1948) | Depression & WWII era | ×1.1 |
| Post-War Classic (1949-1959) | Early chrome era | ×1 |
Coverage Options
Agreed Value
Fixed payout amount
Stated Value
Up to stated amount
Spare Parts Coverage
Separate parts inventory