J.C. Taylor Car Insurance Review & Ratings (2023)
This J.C. Taylor Car Insurance Review will cover J.C. Taylor Car Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Jun 28, 2022
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- J.C. Taylor Insurance has lower rates than other classic car insurance companies
- J.C. Taylor provides the standard auto insurance coverages
- A.M. Best hasn’t rated J.C. Taylor Insurance
J.C. Taylor Insurance provides car insurance to customers with classic cars. The company has lower rates than competitors and provides the common coverages but has yet to be reviewed by A.M. Best.
Knowing more about J.C. Taylor Insurance will help you determine if it’s the right fit. Before jumping into this J.C. Taylor Insurance review, enter your ZIP code to get free auto insurance quotes in your area.
Does J.C. Taylor Insurance have competitive rates?
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
| Company | Annual Full Coverage Rates for a 1966 Ford Mustang ($15K value) | Annual Full Coverage Rates for a 1969 Chevrolet Camaro ($23K value) |
|---|---|---|
| American Collectors | $201 | $244 |
| American Modern | $190 | $278 |
| Grundy | $284 | $305 |
| Hagerty | $284 | $376 |
| J.C. Taylor | $146 | $187 |
| Leland-West | $152 | $198 |
| Safeco | $707 | $863 |
As you can see, J.C. Taylor has cheap insurance when compared to many competitors.
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What coverages are available from J.C. Taylor Insurance?
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
| Auto Insurance Type | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Personal injury protection | Covers medical expenses for you and your passengers after an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
| Medical payments | Covers medical costs caused by an accident regardless of who is at fault. |
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.
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 these 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.
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What are the pros and cons of J.C. Taylor Insurance?
Like any company, J.C. Taylor has certain positive and negative aspects. Understanding these pros and cons will help you decide if the company is right for you.
Some of the positives of J.C. Taylor Insurance include its age and coverage. The company has been around since 1947 and provides coverage for cars that might not get covered by other auto insurance companies. The company also has a high rating from the Better Business Bureau.
While the company offers specialty coverage, it only covers certain cars, so most customers are ineligible for coverage. Additionally, the company doesn’t have any financial ratings and little information on the website.
How can you file a claim with J.C. Taylor Insurance?
To file a claim, J.C. Taylor directs customers to contact the claims department by calling one of two numbers. The J.C. Taylor Insurance phone number for claims is 1-800-272-6764. You can also file a claim by contacting Help Point Claims at 1-800-527-3907.
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]
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What is the J.C. Taylor Insurance company 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: The Bottom Line
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.
Now that you know about J.C. Taylor Insurance, enter your ZIP code to find free auto insurance rates in your area.