Classic Car Insurance in Rhode Island

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In Rhode Island, vehicles are usually considered classic cars if they are at least 25 years old and not used too frequently.
Classic and antique cars usually need more protection than your everyday car. You probably don’t drive your classic car as frequently, and it can be hard to get your hands on the right replacement parts. That’s why it’s important to get an insurance policy that is specifically designed to cover classic cars.
If you’re trying to find classic car insurance in Rhode Island, the Jerry app is a great place to start. Jerry will send you cheap quotes from 50+ top insurance companies, help you switch to a better policy, and even help you cancel your old policy.
Here’s what you need to know about classic car insurance in Rhode Island.

What is classic car insurance?

Classic car insurance will give you the basic coverage available on a standard car insurance policy, as well as customized protection that’s specifically geared towards classic or antique cars.

What is a classic or antique car?

In the insurance world, classic and antique cars are usually defined as older cars with some kind of historical significance. Different insurance companies have different methods of determining the difference.
For example, State Farm defines classic cars as being between 10 and 24 years old. They consider antique cars to be over 24 years old.
Some insurance companies also offer separate coverage for collector cars if your vehicle meets some additional requirements.

What makes classic car insurance different?

In addition to being more affordable than regular car insurance, classic car insurance includes various levels of protection that are tailored to your car’s specific make, model, and year. Each car is unique, so there is no standard rate for your classic car insurance. Because of this, you will need to agree upon the car’s value and insurance price with your provider before purchasing the policy. 
Many classic car insurance policies have eligibility requirements for classic or antique cars that they’ll cover. Common requirements include: 
  • Storing the car in a secure indoor location
  • Having low mileage on the car 
  • Preserving the car or restoring it to its original condition

Rhode Island classic car insurance

To qualify for classic car insurance in Rhode Island, your vehicle must be at least 25 years old
Cars registered with antique license plates may only be used for special events like parades, car shows, and car club activities. To use a classic car on a regular basis or drive it on a public highway, the car will need to pass an inspection test.
Minimum insurance coverage for classic cars in Rhode Island must include:

What impacts the cost of classic car insurance in Rhode Island?

You can usually find classic car insurance policies that are more affordable than standard insurance policies, but prices will vary depending on your desired coverage levels.
Some factors that will affect your car insurance costs include:
  • The car’s model year
  • The car’s stated or guaranteed value
  • The car’s mileage
  • The car’s modifications
  • Your driving record

Benefits of classic car insurance

Here are some of the reasons that classic car insurance can be more beneficial than standard car insurance:
  • Greater protection if your car gets damaged or stolen
  • Guaranteed flatbed towing service during roadside assistance
  • Lower rates 
  • Higher coverage limits 
  • More flexible deductibles and mileage limits
  • Agents and claims adjusters tend to be more knowledgeable about classic cars
  • Potential discounts on modern safety features

Do I need classic car insurance?

If you have any of the following, you likely need specialty coverage:
  • Antique & classic cars
  • Vintage boats
  • Modern collector vehicles
  • Modified vehicles
  • Classic trucks and utility vehicles
  • Motorsports vehicles
  • Vintage motorcycles and scooters
  • Retired commercial vehicles
  • Collector trailers
  • Vehicles under construction
  • Classic military vehicles
  • Antique tractors

Coverage options for classic car insurance

Here are some common coverage options for classic cars in Rhode Island:
ComprehensiveCovers damage from severe weather, theft, or vandalism.
CollisionCovers damage from a collision with another vehicle or stationary object.
Uninsured/underinsured motoristCovers damages from an accident involving a driver who doesn’t have the required car insurance minimums in Rhode Island.
Agreed value coveragePays you the agreed value of your classic car (minus the deductible) if it gets totaled in an accident. A normal insurance policy would only pay you up to the depreciated value.
Flexible mileageAllows you to adjust your policy based on how frequently you drive your classic car.
Roadside assistanceCovers tire changes, towing, and other roadside emergency expenses that aren’t part of a typical policy.
Spare partsCovers repair and replacement costs for spare parts on your classic car—even ones that are expensive or hard to find.

Finding affordable car insurance for your classic car

The best way to find affordable car insurance for your classic car is by shopping around.
If you’d rather leave the hard work of gathering quotes to someone else, use Jerry. The Jerry app can collect quotes from up to 50 top insurance companies, like Travelers, Nationwide, and Progressive, in seconds! They even help cancel your old policy once you’ve made your pick.
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