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Street Rods vs. Rat Rods vs. Hot Rods [Infographic]

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Do you know the difference between a street rod, a hot rod, and a rat rod? The differences can be hard to understand, so we put together this infographic with some information about the different styles, their origins, and even associations and clubs that still celebrate these custom cars.

Street Rod

A street rod is an automobile of 1948 or earlier that has undergone some modernization to the engine, trans mission, interior, or anything else. It's a non-racing vehicle used for enjoyment. The more family friendly version of the hot rod.

Hot Rod

Similar to the street rod, the hot rod is an automobile of 1948 or earlier that has undergone some modernization to the engine, trans mission, interior, or anything else. A hot rod has a more "souped up" engine because it is designed for racing. The engine is often exposed.

Rat Rod

The term "rat rod" refers to an unfinished appearance of a hot rod. Basically a hodge-podge of car parts. When a part does not work or needs to be replaced, you don't go to the store to buy a new piece, you simply find it off of another vehicle and attache it on.

We Insure All Type of Rods

We hope you enjoy learning a bit more about these custom options, and if you’re interested in adding a hot rod or street rod to your vintage car collection, give us a call to find out more about our great collector car insurance policies! Our customer service reps are waiting to speak with you at 888-901-1338.
Posted: 1/20/2017 12:23:31 PM with 0 comments

Sammy Hagar’s Ferrari Obsession

Sammy Hagar, former Van Halen front man, has a new passion: Ferraris. From the outside, his garage doesn’t look like much to be impressed by, but behind closed doors, this music legend has collected Aston Martins, a Lotus, and many more brands, but his favorite of the collection are his six Ferraris.

Hagar is moving to make a purchase on one of the new LaFerraris as well, one of only 499 scheduled to be made.

Hagar holds in his possession a 330 GT 2+2, a 1982 512 BBi, a 400i automatic coupe, a 456 2+2, a Daytona, and a 599 GTB. He recently sold a 275 GTS to help pay for the new LaFerrari, but says he won’t be selling any more.

Take a look at the rest of Hagar’s collection in the recent article released on Yahoo. If you’re looking to make a purchase on a new or old Ferrari, there’s only one place to look for competitive exotic car insurance rates. Call Classic Auto Insurance today at 888-901-1338 for a free, instant quote!

Posted: 7/30/2014 9:00:00 AM with 0 comments

Carroll Shelby Tribute at Carmel Artomobilia

Carroll Shelby Tribute at Carmel Artomobilia Collector Car Show

Have you marked your calendar yet for the 2014 Carmel Artomobilia show? We’ve already told you about the McLaren we’ll have in our tent, as well as “The Build” Malibu SS we’ve been so anxious to show you!

This year’s marque is a tribute to Carroll Shelby, as well as the 50 years of the Mustang. In honor of that, we will have one of our very own Ford GT’s under our tent. Come check out our collections, and show us what you brought to the show as well!

The show will take place this August 23rd in the Carmel Arts and Design District, and will showcase hundreds of cars from all across the region, as well as events, artists, and more! The show is a free event, so bring your family and friends and come enjoy the festivities! While you’re there, talk to our collector car insurance experts on the best policies for your collection.

Posted: 7/28/2014 9:00:00 AM with 0 comments

Rods: The Differences, the Benefits and the Value – Pt. 2 with Rick Drewry

What To Look For When Purchasing a Hot Rod Or Project Car

If you’re just joining us, take a minute to go back and read the first part of this series where our Senior Classic Car & Motorcycle Specialist, Rick Drewry, talked with us about the variety in the world of Rods, and the importance of evaluating these rods individually. In the second half of the interview with him, Rick spoke with us about some specific tips for documentation, as well as tips on how to make a valuable first purchase!

The most important tip Rick gave us for those who are starting out in the rod business is to document every single piece that goes into your car. Whether you are using a kit, starting with an existing model, or creating a rod from scratch, the more well-documented your car is, the more value it will have. Several reasons Rick gives to fully-document your rod:

  • Even if it seems like overkill, documenting every piece on your vehicle can help Classic Auto detail the value of your car and give you an accurate policy.

  • Documentation can also help you in the event of a repair. If something goes out on your rod, you can more easily find the part, as well as find repairs or replacements for that specific part.

  • If you ever look to sell or auction your custom rod, documentation of the parts involved can give it more appeal to a buyer.

If you’re wondering about Rick’s personal experience with hot rods, he’s actually done a significant amount of work on cars in his own collection. Rick has pieced together a couple of kit cars, including 1923 T-Bucket Roadsters. He’s also done a large amount of work on some old Model A hot rods, including suspension, framing, and boxing, and metal work.

If you’re looking to purchase a rod, whether it’s completed or an ongoing project car, these are Rick’s biggest tips for things to look for before you make the purchase:

  • Check the car thoroughly for rust. Even if it only has small rust spots on the outside, those spots could be several inches in diameter on the inside. Rust is impossible to get rid of once it starts, and usually results in a complete replacement of whatever part it’s on. Evaluate whether replacement costs will outweigh the benefit of the purchase.

  • Check for Bondo. Rick suggests taking a small magnet with you to test whether the car has been built using led and strong metals, or if it’s been cheaply done with Bondo. You are paying for the workmanship more than the parts on any custom rod, and you want to make sure the work that was done is worth the price tag you’re paying.

  • Don’t expect to come away with a great car for a price tag of around $20,000. If you’re looking to invest in a rod, expect to pay a good chunk of change. Rick said he’s seen people pay as much as $500,000 for a rod, but that if the car is built as well as the buyer believed, that purchase was worth the money. Custom cars are one-of-a-kind, and you can expect a price tag to match their unique nature. However, if you are just getting started in the rod business, and are looking for something to fix up and practice on, a cheap rod purchase may be just right for you. It all depends on what you’re looking for.

If you would like assistance evaluating a car, or if you want a quote on a custom rod you are interested in purchasing, give our customer service specialists a call at 888-901-1338 for answers to your hot rod insurance questions!

Posted: 7/25/2014 9:00:00 AM with 0 comments

Rods: The Differences, the Benefits and the Value – Pt. 1 with Rick Drewry

Hot Rod, Street Rod and Rat Rod Insurance Differences and Value

We recently sat down with Rick Drewry, our Collector Car & Motorcycle Senior Specialist, to chat a bit more about rods. We are fascinated with this topic right now, as many people in the collection and restoration business are, and we want to shed a little more light on this booming industry.

Rick shared with us the major differences between the types of rods, as well as different ways to care for them, restoration tips, and even how the insurance policies work for these bad-boys.

  • Street Rods: The category of street rods is a little more narrowly defined than other types. Street rods are often come in fully-manufactured kits to be put together by the owner, or by someone the owner hires to assemble the car. Some choose to purchase and assemble them piece by piece.. These cars typically come with a fully formed fiberglass body, a handmade frame, and custom suspension.

  • Hot Rods: Traditional hot rods are original steel-bodied, titled cars that were built in the 20’s, 30’s, and 40’s. For example, old Ford Model A’s are frequently snatched up by hot rod enthusiasts and given a vintage flat head V8, or even a new model V8, a new suspension, custom interiors, and more. Body modifications for hot rods often come in the form of chopping, channeling and sectioning. Hot rods come in all shapes and sizes, and are much more customizable than the traditional street rod, which is part of the appeal of these cars. Many of them share some of the original body lines as the stock cars, but reflect the tastes and style of each individual owner. True hot rodding started in the 40’s and 50’s, and there is still a large following for traditional hot rods from this era.

  • Rat Rods: Rat rods are increasing in popularity because of their inexpensive start-up costs, and their ability to be customized completely to the owner’s liking. There is no “standard” for a rat rod, but rather, they are assembled from a variety of parts to make a car out of nothing, and are often an exaggerated version of more traditional hot rods.. Many times, pieces from a scrap yard may even find their way onto a rat rod. Rat rods are often not worth a lot of money when they’re completed, but if the owner knows what he is doing, they can sometimes turn into very valuable creations.

Rick shared with us the importance of tailoring insurance plans to every type of rod car. He said that Classic Auto can provide customized insurance plans for each type, as well as help owners evaluate their cars and get the right amount of coverage for any type of repairs or replacements that need to be done.

Stay tuned for more advice from Rick Drewry on how Classic Auto’s rod insurance policies work, as well as tips for making your first rod purchase!

Posted: 7/23/2014 9:00:00 AM with 0 comments

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