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Can you insure a 22-year-old car?
My grandma is giving me her 1999 Buick Regal. Can I get insurance on it or is there a cut off for age?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You can get car insurance on your grandma’s car. However, depending on the company, you may only be eligible for
liability car insurance
.While most insurance companies don’t deny car insurance coverage based on age, some limit physical damage coverage on vehicles over 20 years old. This is because older vehicles are prone to more claims. The value of vehicles is not worth insuring after a certain point as well.
It’s likely the amount you’d pay for comprehensive or collision coverage would exceed the worth or actual cash value of the vehicle. Therefore, you should consider only liability coverage for your vehicle.
If you are set on having full coverage on the vehicle, you can shop around. Use the
Jerry
app to compare rates from over 50 companies to find an affordable rate for the coverage you desire.”View full answer
- Gregory R.
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