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You probably wouldn’t treat your classic car like just any other set of wheels. You don’t use your antique showpiece or muscle car for your commute in the morning or to take the kids to soccer practice.

A big difference between classic car insurance and everyday car insurance is how the vehicle is used. While classic car coverages have unique characteristics, the basic idea of coverage is simple. Classic car insurance coverage includes:

• Bodily injury liability
• Property damage liability
• Comprehensive insurance
• Collision insurance
• Medical payments
• Uninsured motorist coverage
• Underinsured motorist coverage

What Makes a Car Classic?

Most insurance companies will define a classic, antique, or vintage car as a collectible vehicle, considered to have a limited production, exceptional quality, or has a particular historical quality. Owning a vintage car doesn’t guarantee you’ll qualify for classic car insurance. Each insurance provider will have different requirements.

These are the most common requirements to get classic car insurance:

You drive another car that is used for your commute or regular travel.

Your car is at least 25 years of age or 20 years old with collectible value.