An antique car is one of the most elegant additions to make to any car collection. However, owning an antique car comes with the responsibility to protect and preserve its value. Given the fact that replacement parts on most antique cars are quite pricey, an antique car insurance policy to insure against accidental damage is a wise investment.

Many owners of collectible cars invest in special antique car insurance to protect their vehicles from unexpected accidents or damages. Whether you tool around the neighborhood on occasion in your venerable vehicle from bygone days or you show off your pride and joy at an antique show, you will want to ensure you protect it against damage with antique car insurance.

Typically, your insurance provider must classify a vintage vehicle under their antique status in order to qualify for antique car insurance rates. Age of a particular vehicle will usually determine the classification status, usually cars 25 years and older can be termed as ‘classic’, while cars over 50 are generally regarded as antique. There are instances where the state you live in will override the insurance companies vehicle age limits.

Many different factors will decide the antique car insurance premium you pay, including whether you garage the car when not in use, how many miles you typically drive, and the general purpose for which you use the vehicle. In order to reduce the possibility of being involved in an accident, most insurers will require you to drive no more than 5000 miles per year. If you only use the vehicle to display in antique car shows your rate will generally be less than if you use the vehicle for pleasure.

You should be aware that not every insurance provider is able to underwrite your policy, however, plenty of companies are available that specialize in writing antique car insurance. There are many resources available to find a credible insurer. You may want to refer to a car collectors club for recommendations on choosing a respectable insurance provider. In addition, you may find several online sites that specifically deal in antique car insurance. It is wise to thoroughly investigate these websites to determine a company suitable to meet your needs.

You can protect your investment as well as preserving a historical piece of automobile memorabilia with an antique car insurance policy. In case of an accident or damage, with a proper policy, you will be able to maintain and restore your car to preserve its intrinsic beauty.

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