You and your vehicle will have to meet certain standards in order to purchase antique and classic car insurance. A very important standard is that you have a good driving record. Probably one or two minor violation might be allowed in order for you to qualify. Once upon a time, a car had to be twenty-five years or older to be qualified for classic car insurance.

When you are shopping for car insurance you\’ll find that the type of insurance you need will be different to that for ordinary cars. Once you start looking you should try and find an insurance company that specializes in insuring vintage cars. Vintage cars require specialist coverage. The type of coverage you will need will depend very much on how your car is used. You will need a different kind of premium if the car is only driven to specialist shows and exhibitions, than you would if you drove your vintage car like a regular vehicle.

When searching for the right covers it is wise to get a range of classic car insurance online quotes from various different sources. Not all motor companies are the same, and neither are all classic policy conditions.

Insurers will limit the amount of miles you can drive each year. Twenty-five hundred miles seems to be the average amount of usage for classic cars, but antique classic car insurance companies offer the option of five thousand miles.

The problems occur much more frequently when non valuable classic cars are insured under this type of policy when they should really be covered under a more embracing standard motor insurance. Unfortunately, restrictive policy conditions often only come to light after an accident and a claim is made, rejected by the insurer and leaves the policyholder feeling abandoned.

Others companies may even require a security system. Since antique and classic car insurance has such restrictions, it is less expensive than standard car insurance. Liability coverage for you vehicle can cost less than one hundred dollars per year.

The portion of your policy that covers theft, vandalism, and fire will cost you a bit more. It is estimated to be about one percent of the total value of your car.

In other words, if your car is worth $120,000, you can expect to pay $1200 for comprehensive and collision coverage. Remember that other factors come into play such as where you live, how often you drive the vehicle, and the type of vehicle.

David contributes to a website about auto insurance company ratings where consumers can get quotes from classic car insurance companies.