What is a classic car?

In North Carolina, the  Dept. of Motor Vehicles uses terms “antique” and “classic” interchangeably.  Any vehicle more than 35 years old would fit into this category. If you need insurance for your classic car or need help in deciding if your car is a classic, visit Jim Boyce Insurance in Charlotte, NC to make sure you have the coverage you need.

An antique is defined by age. A classic car is generally old too, but the definition is not as black and white. The Classic Car Club of America says a classic is a car made between 1925 and 1948.  The Antique Automobile Club of America defines a classic as a car between 25 and 50 years old, and an antique is anything older than 50.

A classic car must have something unusual or special about it, or there needs to be a rare quality.  Often classic cars are not driven daily and are only on display at car shows. Classic cars must have a garage where they are parked for insurance companies to cover them as classics.

It can be hard to define what a classic car is, but it is clear that it must be 25 years old or about that age. To get insurance an appraisal is recommended to get the actual value of the car. Sometimes classic cars get more valuable as they age.  You may negotiate the value of the car with your insurance agent to some extent as you work out the details of your policy. There may also be mileage limits and other requirements in order to get this specialized insurance.

If you have a car that is 25 years old or more or has special qualities that might make it a classic, visit Jim Boyce Insurance in Charlotte, NC to take care of all your insurance needs.