Guide to Classic Car Insurance: Eligibility and Choosing the Right Policy

Insuring your vintage or collectible vehicle involves securing specialized coverage designed for classic cars in case of accidents, theft, or damage. Many insurers require that such cars aren’t used daily and limit annual mileage, typically to under 7,500 miles, depending on the vehicle's condition.

The standard eligibility criteria include:

• Minimum age of 25 years
• At least 10 years of driving experience
• Fewer than one moving violation or careless driving ticket in the past three years
• Secure storage such as a garage or carport to protect the vehicle
• Residing within the same state as the insurer
• The car must be well-maintained and not used for racing or everyday commuting

Start your search by consulting your current auto insurance provider. They can offer advice or direct you to specialized classic car insurers, often providing discounts. Popular providers include Hagerty, J.C Taylor, Condon Skelly, American National, and Grundy.

To select the ideal insurance policy, consider these tips:

• Choose an agent or company specializing in classic car coverage
• Ensure the insurer has an in-house claims department for smoother processing

Review the policy for clauses on limited use, such as participation only in auto shows or club events. Also, verify flexibility in service providers for repairs or restorations. Regularly review your coverage to prevent gaps, especially during storage, and understand all policy restrictions by reading the fine print.