What if my Classic Truck is an Antique?

Do you own a Chevy 3100, a Ford F100, or an even older classic pickup truck? That’s awesome. From a legal perspective, an antique truck is typically considered any classic truck that’s over 45 years old. However, some states reduce antique status to only 25 years old.

When it comes to collectors, a true antique truck is often reserved for unmodified, well-preserved, or authentic restored vehicles from the pre-WWII or early post-war era. Either way, if you own one of these true pieces of history, OpenRoad can keep your antique pickup truck covered.

Learn more about vehicle eligibility for classic truck insurance policies at OpenRoad and get your antique truck on the path to coverage. 

Are There Limits or Restrictions on Usage for Insurance Policies on Classic Trucks?

Yes, insurance policies for classic trucks have usage restrictions. Insurance policies for classic trucks often limit driving to pleasure use, car shows, club events, and maintenance, while prohibiting daily commuting or regular errands.

Policies typically include annual mileage limits (often 1,000–7,500 miles), require secure garage storage, and require a separate daily driver vehicle. Common Restrictions and requirements for classic truck insurance policies are as follows:

Usage Limitations: Mostly restricted to "collector-focused" activities, such as exhibitions, club activities, and leisure driving.

Mileage Caps: Common limits range from 1,000 to 7,500 miles per year, with options for higher limits

Daily Driving Prohibited: Classic trucks cannot be used for daily work commuting, school, or routine errands.

Storage Requirements: Vehicles must usually be stored in a secured, enclosed structure (garage, barn) when not in use.

Primary Vehicle Requirement: You must have another regular-use vehicle for daily driving.

Are There Consequences of Misuse of Classic Truck Insurance?

Like any other insurance policy, breaking the terms of your classic truck insurance policy can have consequences. For example, misrepresenting the truck's usage, such as using it as a daily driver, can lead to denied claims or voided policies.

What's the Difference Between Insurance for Classic and Regular Pickup Trucks?

Believe it or not, but there are differences between policies for a classic pickup truck. Classic truck insurance offers agreed-value coverage. This type of insurance often costs less than insurance for a daily driver pickup truck, but it comes with mileage and storage restrictions.

Regular auto insurance uses actual cash value that accounts for depreciation. This type of insurance coverage doesn’t come with usage or mileage restrictions and is designed for daily drivers.

Tips for Getting Classic Truck Insurance

The team at OpenRoad Insurance will walk you through your classic truck insurance policy if you’re new to classic truck ownership. However, here are few tips to get you started.

First, you’ll want to understand that an "agreed value" policy that covers the full appraised worth, rather than "actual cash value". Also, know the limits and restrictions that you’re willing to live with. You’ll need to follow these terms to ensure coverage.

Additionally, here are specific tips for securing coverage:

Keep your classic pickup truck in "Excellent" condition: Most insurers require the truck to be fully restored or in excellent, well-maintained condition.

Store your pickup securely: A locked, enclosed garage or secure storage facility is almost always required to qualify.

Document Everything: Prepare documentation on the truck's condition, modifications, and, if needed, a professional appraisal to establish its value.

How can I get a Quote for Classic Pickup Truck Insurance?

 Are you ready to start the process of getting an insurance policy for your classic truck? Apply online, and our experts will be in touch with the insurance details you need to keep your classic on the open road. You can also give us a call at 1-866-952-7622 or send us a message to have additional insurance questions answered.