Own a 1969 Ford Fairline Cobra? How about a 1963 Chevy Corvette Sting Ray Fastback? Chances are, if you know these car models then you know a thing or two about classic cars. Maybe you’re even fortunate enough to own one. In that case, you will definitely want antique car insurance for your ride. This type of coverage is different than standard car insurance because they take special considerations when determining the value of your automobile. Let’s talk for a minute about what it takes for your car to qualify as an antique but if you’re in a rush and are simply looking for quotes, you can compare antique car insurance in your area here.

To qualify for most antique car insurance programs, your vehicle must meet certain requirements:

Must be at least 19 years of age
Must be factory original in that there are minimal modifications from the factory original specifications
Must be restored or in good condition
Must be well secured when not drive; usually a locked fully enclosed garage satisfies this requirement
Can only be used for recreational/hobby purposes: parades, club activities, exhibition shows, or other events that serve public interest. Occasionally driving the vehicle to keep it in good running order is also acceptable.

In addition to these requirements, the driver must also pass certain criteria:

Be at least 25 years or older.
Possess an excellent driving record with no more than one at fault accident coupled with at most one moving violation.
Provide a photo of the vehicle and submit an official appraisal.

As you can see, it takes much more than just a simple phone call in order to obtain antique car insurance. It’s definitely worth the effort as normal car insurance companies will be unable to determine a fair value for your vehicle in the event of a loss or accident. If you’re a classic car enthusiast, then I’m sure you understand the importance of choosing a great antique car insurance policy that will protect you and your sweet ride. I’ve found in my experience that the companies that provide these special policies also understand how important your classic car is to you and this understanding is reflected in the customer service they provide. Now that you’re ready, click here to compare antique car insurance quotes in your area. Safe driving and have a great day!