What’s the Difference Between Classic, Vintage, and Collector Cars?

For people who are newer to the world of classic and antique cars, some of the terminology within the hobby can be overwhelming. There is a lot of confusion on what exactly a “classic” car is, and what sets it apart from “vintage” and “antique” cars. We have heard the term “classic” used interchangeably when describing just about any old car that simply looks as if doesn’t belong on the roads with the modern daily drivers. It is helpful to know the difference when handling the needs for your car, such as registering your car, participating in car shows, looking for a mechanic who can handle your car’s unique problems, and obtaining New Jersey Classic Car Insurance.

Defining the Difference

Here are the general rules for distinguishing between classic cars, antique cars, and vintage cars:

  • Usually, to have the title of a classic car, the vehicle will need to be at least 20 years old.
  • Antique cars are over 45 years old.
  • Vintage cars are built between 1919 and 1930.

But as with many subjects in the motoring world, it is difficult for everyone to agree on a set definition. State DMVs, insurance companies, and classic car clubs classify each one differently. And some classifications even overlap between classics and antiques.

There is a very broad classification on what a “classic” car is, and some states do not actually differentiate between classics, vintage, and antique cars. Although, it is mostly dependent upon the age of the vehicle.

For example, if the vehicle was manufactured after 1922, and is at least 25 years old, it is a Historical Vehicle. However, if it has a 16-cylinder or larger engine, and is manufactured between 1922 and 1965, it may be classified as a Horseless Carriage. Modified cars and replicas are not considered to be part of either category.

Others consider cars from 1900 to 1979  to be either antique or classic and if the car is manufactured in 1980 or later, it is considered a collector car.

How it’s Applied

There will most likely always be many discrepancies among defining the differences of  these vehicles. Therefore, insurance companies must set their own guidelines on what they define as a classic car. It is helpful to know how to apply the knowledge you have about your vehicle when seeking classic car insurance in New Jersey.

The Classic Car Club of America is even more specific in their description of classics, as they only consider cars between the years 1915 and 1948 to be classic. This organization takes it even another step further, and only includes vehicles  that are “distinguished by their respective fine design, high engineering standards and superior workmanship” to be considered a classic car.

No matter when your car was manufactured, a classic car is a great investment and should be given the protection that is right for it and its needs. Speak to a New Jersey classic car insurance agent to inquire vehicle protection.

About SB One Insurance Agency

At SB One Insurance Agency, we have served the businesses and residents of New Jersey, New York and Pennsylvania for more than 60 years. We are a wholly owned subsidiary of SB One Bank, the region’s premier banking institution, and we are prepared to offer you personal, business, employee benefit, and risk management solutions. To learn more about our coverage options, contact our specialists today at (888) 990-0526.