| You and your vehicle will have to meet certain | | | | antique classic car insurance companies offer the |
| standards in order to purchase antique and classic car | | | | option of five thousand miles. |
| insurance. A very important standard is that you | | | | Many companies require that the owner have at least |
| have a good driving record. Probably one or two | | | | five years of driving experience. However, some |
| minor violation might be allowed in order for you to | | | | companies may require the driver to have ten years |
| qualify. Once upon a time, a car had to be | | | | of experience. Others expect for the driver to be at |
| twenty-five years or older to be qualified for classic | | | | least twenty-five years of age. As with most |
| car insurance. Since antique car collecting has become | | | | insurance companies, security of you vehicle is very |
| more popular, cars that are at least 25 years old are | | | | important. Most companies will require you store you |
| considered vintage, but cars that 15 years or older | | | | vehicle in a garage when it is not being used. Others |
| are now considered for vintage insurance. However, | | | | companies may even require a security system. Since |
| cars that are even newer than 15 years are | | | | antique and classic car insurance has such restrictions, |
| accepted as long as they are considered rare. It is | | | | it is less expensive than standard car insurance. |
| best to check with the insurer to see if your car | | | | Liability coverage for you vehicle can cost less than |
| qualifies. | | | | one hundred dollars per year. |
| Your classic vehicle is not expected to be you main | | | | The portion of your policy that covers theft, |
| means of transportation by insurance companies. You | | | | vandalism, and fire will cost you a bit more. It is |
| will have to show that you and other drivers in your | | | | estimated to be about one percent of the total value |
| household have another vehicle to satisfy your daily | | | | of your car. In other words, if your car is worth |
| driving needs. Your antique vehicle is expected to be | | | | $120,000, you can expect to pay $1200 for |
| driven on a "pleasure only" basis by your insurer. | | | | comprehensive and collision coverage. Remember |
| Insurers will limit the amount of miles you can drive | | | | that other factors come into play such as where you |
| each year. Twenty-five hundred miles seems to be | | | | live, how often you drive the vehicle, and the type |
| the average amount of usage for classic cars, but | | | | of vehicle. |