What are limitations to classic car insurance? Limited use – Your classic car cannot be used for everyday commuting or errands, and your policy may include mileage limitations and proof the car is being properly garaged if you do travel with it. In some cases, insurers may require that you also own a primary car for everyday use.

How do I insure my classic car as a daily driver? When insuring a classic daily driver, consider getting comprehensive auto coverage and collision auto coverage on top of your state's required liability auto coverage to more fully protect the vehicle. You may also want to add optional roadside assistance coverage in case your classic breaks down on the road.

Are classic cars hard to insure? Insurance providers expect you to drive your car infrequently, keep it well maintained, and keep a clean driving record. Because of this, companies believe classic car owners are less likely to file a claim than regular drivers. Getting your vintage, antique, or project car insured is as easy as getting a quote.

How many years does it take for a car to be considered a classic? A car is considered a classic if it's at least 25 years old, was manufactured after 1922, and is of historic interest. When a vehicle in California meets these requirements, the owner can register it as a historic vehicle, which will allow the car to use special license plates

How is classic car insurance different? Classic car insurance protects your collectible vehicle through liability, comprehensive, collision, and other specialized coverages. Antique cars often maintain or increase in value, so classic car insurance typically covers yours up to an agreed value; regular car insurance might not provide as much coverage.

Is full coverage worth it on classic cars? Full coverage car insurance is likely to be a poor investment for vehicles that are more than 10 years old. After this period, the annual cost of insurance represents 46% of the value of older-model vehicles. After an at-fault crash, rates are very likely to exceed the value of vehicles that are 15 or more years old.

What are the benefits of classic car insurance? And, if the value of your classic car increases over time, you can adjust your coverage limit to reflect its value. Classic car insurance also helps pay for specialized repairs or restoration if your classic car is damaged. These costs are often significantly higher than the cost of repairing a regular car.