Classic Car Insurance for an 18 Year Old

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Finding classic car insurance is a feat in and of itself. There are only a handful of classic car insurance companies willing to provide coverage and many have strict guidelines regarding who and what they will insure. They also have age restrictions, making the purchase of classic car insurance for an 18 year old driver a bit difficult.

Insuring Your Dream Car

Let's face it. There aren't many 18 year old drivers running around in classic cars to begin with. Those who are have likely spent years as car enthusiasts and can tell you more about their prized possessions than the average person can tell you about himself. The problem is that statistics prove that young drivers generally have bad driving records, making it very difficult to find classic car insurance for an 18 year old. Insurance companies prefer issuing classic car insurance policies to drivers they consider more experienced and mature.

Dealing with the Price

In reality, most classic car insurance companies will not issue a policy to a driver under the age of 25. If you're lucky you'll find a carrier willing to issue a policy to a driver as young as 21. Companies issuing classic car insurance for 18 year old drivers, on the other hand, recognize the risk they're taking and will likely charge a very high rate – even higher than your standard car insurance carrier may have charged.

So here's the deal. Are you driving a classic car because you like the style or are you driving a classic car that you plan on fixing up and renovating to look like new?

If the former, you might be able to get away with adding your classic car to your regular car insurance policy, assuming the age of the vehicle doesn't restrict you from coverage.

If the latter, you might want to consider how much money you plan to sink into the vehicle. You'll find that classic car insurance for an 18 year old is a lot less expensive without comprehensive and collision coverage. The same goes for any policy. If the car is too old to add to a standard policy but not worth replacing if it is damaged, you may be able to find a more affordable rate.

In the end, you can find classic car insurance for an 18 year old. Policies are few and far between and may cost a bit more but they do exist. Use our site to enter your vehicle and driver information so that we can help you conduct your auto insurance quotes search. You deserve to have great coverage, regardless of your age or the age of your vehicle!

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