What is a Collectible Auto?
These cars aren't for everyday driving; they're for the hobbyist. A Collectible Auto is used mainly for exhibitions, club activities, parades and other functions of public interest. Here are some examples:

• Antiques
• Replicars
• Muscle cars
• Classics
• Customs
• Woodies
• Exotics
• Hot rods
• Kit cars
• Foreign and American sports cars

Owners of these vehicles put time, effort and usually a lot of money into their cars. It's not just a standard vehicle and that's why specialty insurance is so important. The Collectible Auto product is categorized into two programs: the Antique and Classic program and the Modified program. Although both types of vehicles are considered collectibles, they are very different by definition. Antique and Classic cars are considered collectibles because of their age and preservation. Modified cars are considered collectibles because of the modifications that were made to the car, altering it from its original condition.

What is an Antique and Classic Auto?
An antique auto is a vehicle that is 25 years and older. A classic car is considered a vehicle 19 to 24 years old. Both the antique and classic vehicles must be in the original (or original restored) condition. An antique Model T or a classic Mustang convertible might come to mind when you think of cars that fit into this program, but the Antique and Classic Auto Program doesn't only include the obvious. This program is also great for light trucks, motorcycles, farm tractors, military vehicles, foreign and American sport cars, muscle cars, convertibles, station wagons, woodies, Corvettes and other unique original autos.

What is a Modified Auto?
A modified automobile is simply a vehicle modified from its original condition. Whether it's chopped, channeled, lowered, chromed, Frenched or flamed or it's powered by a flathead, hemi, mouse motor, side oiler, Caddy or an Olds rocket, the Modified Auto Program is the perfect fit.

Street Rod - a vehicle manufactured prior to 1949 whose body, chassis, engine suspension or interior has been modified.

Customized/Modified - a vehicle manufactured after 1948, which is at least 20 years old and has been altered from its original condition.

Replicar - a commercially assembled reproduction of any motor vehicle at least 25 years old.

Kit Car - A representation motor vehicle at least 25 years old consisting of separately manufactured components that are assembled by the purchaser.

Exotic Vehicle - a motor vehicle that is considered to be increasing in value rather than depreciating because of its specific make, model year of manufacture and exceptional physical condition.