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Buying Vintage Car Insurance In Oklahoma

Reader’s Question:

I am soon to buy my dream vintage car that of course I have to insure. Is there some kind of special insurance needed for it or can I just buy regular insurance here in Oklahoma?

Carter

Edmond, OK

Those who are new owners of vintage or classic vehicles must be meticulous in researching the best way to cover their collectible cars prior to going off the road. Vintage vehicles are manufactured 30 or more years before so they have extraordinary needs that are different from conventional automobiles. Ordinary-use vehicles can be driven any day of the week; however, vintage cars are usually driven for recreation driving, car shows and organized events.

According to auto insurance professionals, vintage car owners must buy car insurance coverage for their precious vehicle separately from car insurance coverage that gives protection for their ordinary-use automobiles. That is because normal-use automobiles decrease in value over time but a lot of vintage vehicles increase in value so they have to be covered appropriately. Just like a everyday-use car insurance, a vintage car insurance usually consists vital coverage such as liability, collision, comprehensive, uninsured and underinsured motorist coverage and medical payments or personal injury protection. You can also buy collision and comprehensive coverage for your vintage car insurance but it is not required in the state of Oklahoma.