Most Important Factors to Consider About Classic Car Insurance

In order to acquire classic car insurance, your car must be eligible for this insurance based on specific criteria. Each state has its own criteria for this type of automobile insurance. However, this set of factors can be used as guidelines for if your car will qualify.

1. Type specifications. For your car to qualify for classic car insurance, it has to fall in one of these three categories: Veterans, Edwardian, or Rare and Limited. Veterans are any cars made before December 1904. Edwardian is any car made between the beginning of 1905 and the end of 1918. Rare and limited is a little tricky. These cars include specific models made before 1970 including specific sports cars, convertibles, muscle cars with V-8 engines, and cars with unique body styles.




2. Age of the automobile. An automobile has to be between fifteen and twenty-five years old in most states to be considered classic. This depends on your state of residence. These automobiles have to be unique and/or rare.




3. Usage of automobile. To be eligible for classic car insurance, your car cannot be your every day car. This automobile would be one which you do not drive often.




4. Garage/Storage. You are required to have a well constructed and secure garage or storage area for your classic car. You cannot obtain classic car insurance without a storage area for your automobile.