Like regular car insurance, there are several parts with classic and collector car insurance. Some insurers like J.C. Taylor require your classic car be at least 19 years old, while others like Grundy will insure a car of any age. Availability of discounts should also be a consideration, as Safeco gives you a percent off your premium if you bundle your classic car policy with a regular auto policy. Another underrated feature is an inflation guard, which will increase your protection limits as your car appreciates in value. You can see a full list of each company's benefits below.
One never really knows how good his or her insurance provider is until disaster strikes. I was broadsided by an SUV that ran a red light. The other driver did not have insurance, and both my wife and I went to the hospital. Allstate's response was compassionate and swift. A few days later all bills were paid. My rates did go up, but the rate hike was well worth the peace of mind I felt. I am sticking with Allstate.
Safeco is not the best, but if you have a classic car you want to drive as your regular vehicle, Safeco is the insurance for you. Safeco allows you up to 10,000 regular use miles which is similar to what someone may drive on a normal policy. Most collector of cars are not looking to drive them regularly, but if it happens your 1968 Ford Mustang has to be your premier car, Safeco is your best bet. The limitation to Safeco is its stricter list of vehicles it will insure, including a ten year required minimum.