J.C. Taylor Car Insurance Review & Ratings (2024)

J.C. Taylor classic car insurance provides affordable coverage to customers throughout the United States. Rates are lower than many competitors, and the company offers the most common insurance options. However, the company lacks ratings and has little information on its website.

Learning more about J.C. Taylor Insurance will help you determine if the company is the right fit for you.

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What You Should Know About J.C. Taylor Insurance

Welcome to our comprehensive J.C. Taylor Car Insurance review, where we dive into the ratings, cost, and coverage provided by this reputable classic car insurance company. In this article, we’ll explore the eligibility requirements, standard insurance options, and even the pros and cons of J.C. Taylor Insurance.

We’ll help you determine if this is the right insurance provider for your antique, classic, or custom car. Don’t miss the opportunity to make an informed decision. Enter your zip code below and compare rates from the top insurance providers in your area.

What is the J.C. Taylor Insurance company’s history?

Joseph Taylor started in real estate before founding J.C. Taylor Insurance in Upper Darby, Pennsylvania, in 1947. The company first insured gas, transportation, and utility companies but switched to specialty auto insurance in the 1960s.

Over time, Taylor became more interested in insurance and sold off the real estate part of the company to focus on specialized insurance. Today, the company is one of the most trusted specialty auto insurance companies in the United States.

J.C. Taylor Insurance Coverage Options

As previously mentioned, J.C. Taylor only provides coverage for antique, classic, and custom cars. This specialization limits the number of eligible customers for coverage from the company. Some of the vehicles that J.C. Taylor covers include:

• Antique delivery trucks
• Classic cars and trucks
• Exotic cars
• Horseless carriages
• Military vehicles
• Modified or customized cars

Customers who are eligible for coverage will find the typical auto insurance options. The following table shows the standard insurance options offered by J.C. Taylor and a description of each type of insurance.

J.C. Taylor Insurance Auto Coverages

Like most car insurance companies, J.C. Taylor prices coverage individually, so it’s up to the driver which coverages are purchased. A full-coverage plan includes all of these coverages but is not a policy.

In addition to the traditional coverages, customers can also add roadside assistance to a policy. This add-on will provide support if you suffer car trouble but increase your J.C. Taylor car insurance quotes.

Customers that add J.C. Taylor Insurance towing and roadside assistance to a policy can get support with:

• Gas delivery
• Flat tire service
• Towing
• Battery support

J.C. Taylor customers can also receive agreed value replacement. This option involves coordinating with the company on the car’s value. The payout for repairs or replacement will be up to that amount.

Who is eligible for J.C. Taylor Insurance?

Unlike many auto insurance companies, customers looking to buy J.C. Taylor car insurance must meet specific requirements. Some of these requirements apply to the car and others to the driver.

Coverage eligibility from the J.C. Taylor car insurance company requires that the car be at least 19 years old in most states. The exceptions are Texas, where the vehicle must be at least 15 years old, and Massachusetts, where the car must be 25 years old.

In addition to the age requirement, the car must meet some other specifications. These requirements include:

• Mostly original manufacturer parts
• Good condition or restored
• Stored in a fully enclosed and locked garage
• Used primarily for public shows and events

While the car must meet specific standards to receive coverage, the driver also does. Part of the reason for the low rates is that drivers must maintain a driving record that would allow them to qualify for such prices.

To qualify for J.C. Taylor Insurance, drivers must meet the following standards.

• Be at least 25 years old
• Have no more than one violation in the past three years
• Have no more than one accident in the past three years

Some classic car insurance companies require that the insured person be present with the vehicle at all events, and no one else can drive the car. This requirement is commonly called an attendance clause. An advantage of J.C. Taylor is that they don’t require this clause.

However, the company does have some exceptions to coverage. For example, racing the car or driving it on public roads could cancel your coverage.

J.C. Taylor Insurance Rates Breakdown

According to the Insurance Information Institute, unique vehicles require special car insurance. J.C. Taylor specializes in antique, classic, and custom car insurance. Therefore, the company doesn’t cover most vehicles.

Comparing affordable J.C. Taylor car insurance rates with other companies specializing in classic car coverage will help you determine if it’s the most cost-effective option. The following chart shows the annual rates for two classic cars and the rates of similar car insurance companies.

Annual Car Insurance Rates of J.C. Taylor Insurance and Competing Companies By Car

As you can see, J.C. Taylor has cheap insurance when compared to many competitors.

How can you make J.C. Taylor Insurance payments?

J.C. Taylor allows customers to make payments online through the EZ Payment portal on the company website. Customers must use their EZPay authorization key to access this part of the site.

If you don’t have an authorization key, you can call the company at 1-800-345-8290 or email them at [email protected].

Read more: Chevrolet Car Insurance Discount

J.C. Taylor Insurance Discounts Available

J.C. Taylor Insurance aims to offer competitive pricing for antique, classic, and custom car insurance. To provide additional value to its customers, the company extends various discounts to help reduce insurance costs for eligible policyholders.

• Multi-Vehicle Discount: Policyholders insuring more than one classic car with J.C. Taylor may qualify for a multi-vehicle discount, reducing the overall premium costs.
• Membership or Affiliation Discounts: J.C. Taylor may offer discounts to customers who are members of specific automotive clubs or associations related to classic cars.
• Storage Discount: Some policies may provide discounts for cars stored in secure, locked garages, reducing the risk of theft or damage.
• Mileage Discount: Policyholders who drive their classic cars sparingly and maintain low annual mileage might be eligible for reduced rates.

J.C. Taylor Insurance acknowledges the significance of providing cost-saving opportunities for its customers. By offering various discounts, the company aims to make classic car insurance more affordable for eligible policyholders, fostering greater financial flexibility and value for owners of antique, classic, and custom vehicles.

Effortless J.C. Taylor Car Insurance Claim Process: Seamless Filing and Resolutions

Ease of Filing a Claim

Filing a claim with J.C. Taylor Insurance is designed to be a straightforward process. The company offers multiple methods for claim submission, catering to different preferences. Whether you prefer the convenience of online filing, the personal touch of a phone call, or the flexibility of using mobile apps, J.C. Taylor ensures that you can submit your claims with ease.

Average Claim Processing Time

The time it takes for J.C. Taylor Insurance to process claims may vary based on the specific circumstances of each claim. However, the company is committed to efficient claim processing to ensure that policyholders receive prompt assistance when they need it most. Timely claim processing is a crucial aspect of customer satisfaction.

Customer Feedback on Claim Resolutions and Payouts

Gathering customer feedback on claim resolutions and payouts is essential to evaluating an insurance company’s performance. Many policyholders have shared their experiences with J.C. Taylor Insurance, particularly regarding claim resolutions and payouts. Customers have reported positive experiences, highlighting the company’s fair and transparent approach.

Elevate Your Experience With J.C. Taylor Car Insurance’s Digital and Technological Features

Mobile App Features and Functionality

J.C. Taylor Insurance offers a comprehensive mobile app equipped with a range of features designed to enhance the policyholder’s experience. The mobile app provides tools and resources for convenient policy management. From updating policy information to accessing important documents and initiating claims, the mobile app offers real-time updates on policy status and billing information.

Online Account Management Capabilities

Managing your J.C. Taylor insurance policy online is intuitive and convenient. By accessing your account through the company’s website, you can efficiently oversee your policy. This includes reviewing and updating policy details, making payments, and accessing essential documents.

The online account management capabilities empower you to take control of your insurance coverage, allowing you to make necessary changes or updates as needed.

Digital Tools and Resources

J.C. Taylor Insurance goes beyond standard offerings by providing policyholders with a suite of digital tools and resources. These resources encompass educational materials, frequently asked questions, and interactive tools aimed at enhancing your understanding of insurance coverage.

Whether you seek to expand your knowledge of policy options or require guidance on insurance-related topics, J.C. Taylor’s digital resources are readily accessible to assist you.

How J.C. Taylor Insurance Ranks Among Providers

J.C. Taylor Insurance, specializing in antique, classic, and custom car insurance, faces competition from various companies offering similar coverage tailored to vintage and specialty vehicles. These competitors aim to provide comparable services and policies for classic car owners, offering alternatives to potential customers seeking insurance for their unique vehicles.

• Hagerty: Renowned for classic car insurance, Hagerty offers specialized coverage for antique, collector, and classic vehicles, catering to various models and years.
• Grundy: Similar to J.C. Taylor, Grundy specializes in classic car insurance, providing agreed value coverage, flexible usage, and significant discounts for safe driving.
• American Collectors Insurance: This insurer focuses on classic cars, offering policies for a wide range of collector vehicles, including antique, classic, and specialty automobiles.
• Safeco Insurance: While not exclusively specializing in classic cars, Safeco provides coverage for various vehicle types, including classic and collector cars, offering customizable policies.
• Condon Skelly: With a strong emphasis on classic car coverage, Condon Skelly provides insurance options for various classic, collector, and exotic vehicles, emphasizing personalized service.

J.C. Taylor Insurance operates in a market with several notable competitors, each striving to offer specialized coverage for vintage and unique vehicles. Customers seeking insurance for their classic cars can explore these alternatives, assessing policies, rates, and coverage options to select the provider that best aligns with their specific needs and preferences.

What are the J.C. Taylor Insurance ratings?

Credit rating agencies regularly review and rate car insurance companies on financial strength, determining the likelihood that they’ll provide a payout when you file a claim. Unfortunately, due to its size, J.C. Taylor hasn’t been rated by companies, such as A.M. Best, S&P, Moody’s, and Fitch.

However, the company has received a rating from the Better Business Bureau (BBB). J.C. Taylor Insurance isn’t accredited but has been rated an A+ by the organization.

This rating says that the company has excellent business practices, transparency, and few complaints. As a result, customers are likely to have a good experience.