American Collectors considers operators with a few minimum qualifications:

• You’ve been driving for at least ten years. Five to nine years driving experience may be consider as an exception.
• No more than one moving violation or one at-fault accident within the last 3 years (up to 2 per household). DUI’s and reckless driving violations must be at least 10 years old.
• You have one regular-use car for every licensed driver in the home.

These are our essential requirements for insuring collector trucks:

• Storage is secure and inside an enclosed, locked garage.
• You don’t drive the collector truck daily—only on a limited basis.
• You don’t race the truck, use it for timed events, or operate it for driver’s education.

A classic truck is typically an older model truck that holds historical, sentimental, or collectible value. It’s often a vehicle that’s no longer in production but is cherished by enthusiasts for its design, craftsmanship, or historical significance.

Brands like Chevrolet and Ford often have iconic models that fall into this category. These trucks are not just vehicles; they’re pieces of history that deserve specialized attention when it comes to insurance coverage.

Yes, older trucks can generally be cheaper to insure, especially if they’re considered classic vehicles. Classic car insurance policies take into account the car’s value and usage. Since older trucks often have a lower value compared to newer ones, insurance rates and premiums can be more affordable.

However, it’s important to note that classic car insurance policies are tailored for vehicles that aren’t used as daily drivers. If you’re considering insuring an older truck that you also use as your daily driver, you might need a different type of auto policy.

Yes, classic cars typically receive better insurance through specialized classic car insurance policies. These policies offer more appropriate coverage than standard auto insurance because they account for the distinct characteristics of classic cars, such as limited usage and appreciating value. This can lead to more robust protection without common exclusions found in regular car insurance.

While classic car insurance policies are perfect for hobby trucks, auto shows, and collectibles, they’re generally not designed to cover vehicles used regularly for commuting or daily errands. If you plan to drive your classic truck every day, it’s best to discuss your options with an insurance agent or provider who can guide you toward an auto policy that suits your needs.