| ext">There is no doubt about it, if you own (and | | | | antique auto insurance policies have limits on how |
| occasionally drive) an antique car, there are many | | | | many miles the car can be driven each year. This |
| advantages to getting your insurance from a | | | | may be a concern if you drive to a number of |
| specialty insurance provider. They can offer you | | | | distant car shows or take it on vacation. Most will |
| much more appropriate coverage for less money | | | | not allow you to use your classic car for your |
| than a standard insurance policy from the | | | | daily commute or for running errands, even if you |
| company that insures your everyday driver. | | | | meet the previous criteria of owning a daily driver. |
| However, the way that the antique auto | | | | If you drive your car quite a bit, there are antique |
| insurance companies are able to offer better | | | | auto insurance companies that offer unlimited |
| coverage for less money is that they place a | | | | mileage policies, but the number of providers you |
| number of limitations or restrictions on the | | | | have to choose from will be limited. |
| policyholder and how the car is used. Some of | | | | Fourth, you will likely be required to store your |
| these limitations may disqualify you from being | | | | vintage car in a fully enclosed, locked garage |
| able to get specialty insurance, or may be too | | | | when not in use. Some antique auto insurance |
| restrictive for how your car is driven. | | | | companies even require that you send them |
| The first restrictions to consider are your age, | | | | photos of the garage where the car is stored! If |
| driving experience, and driving record. Most | | | | your car is kept outside or even under a carport, |
| vintage car insurance companies require that you | | | | you may have trouble getting a specialty |
| be of a certain age or have a certain number of | | | | insurance policy. |
| years behind the wheel. All of them that I have | | | | The fifth restriction you may run in to is that |
| researched require a good driving record, and | | | | some collector auto insurance companies will only |
| have a limit on the number of accidents or | | | | insure vehicles that are valued above a certain |
| moving violations that you have had within a | | | | amount. If your classic car happens to be a rusty |
| specified time frame. | | | | four door sedan, your number of choices for |
| The second restriction to consider is that most if | | | | specialty insurance providers will be somewhat |
| not all specialty insurers require that you have a | | | | limited. |
| currently-insured daily driver vehicle in addition to | | | | Each insurance company is somewhat unique in |
| your antique car. Some companies require that | | | | their limitations and restrictions, but the above |
| you have a daily driver vehicle for each licensed | | | | points are common to most antique auto |
| driver in your household. They will not offer a | | | | insurance companies. As long as you can meet |
| specialty insurance policy if your antique car is | | | | the qualifications above and can live with the |
| your main mode of transportation. | | | | mileage limits, a specialty antique auto insurance |
| The third restriction to be aware of is that many | | | | policy is most likely your best choice. |