5 Tips For Evaluating Classic Car Insurance Companies Insurance for cars vary with regards to the type of car that youll be insuring. For classic cars mainly the insurer and policy are not the same than that of present day cars. In an event where serious damage is caused in a accident, a contemporary car is usually replaced but straightforward classic car, owners often prefer repair or reinstatement of the damaged vehicle. The most common vehicles just for this type of insurance are antiques and classics. Typically a motor vehicle is classified as antique if its 25 years old or maybe more, along with a classic if it is 15 to twenty-five years old. Categories expand to feature Hot rods and street rods, muscle cars, sports and exotics, modified vehicles, kit or replicas, low rider cars / trucks as well as other less common vehicles. You need to know a classic car is described as an automobile it really is a minimum of fifteen years old, its used just like a secondary vehicle, maintains limited miles around 2,500, is at a great condition, it isnt used for business purposes and is also kept on an individual land maybe in a garage. A few of the insurance firms will only provide services for owners whore over 21 yrs . old, while other firms will simply insure specific makes. The third restriction to learn is that many classic auto insurance policies have limits about how many miles the automobile can be driven browse around this website via every year. This may be a concern when you drive with a number of distant car shows or bring it on vacation. Most is not going to allow you to takes place muscle car for ones daily commute and running errands, even in the event you meet the previous criteria of running a daily driver. If you drive your automobile quite a bit, you can find muscle motor insurance companies that offer unlimited mileage policies, but the volume of providers you should choose from is going to be limited. Regardless, lower auto insurance rates can be found while attending school. Many drivers with excellent report cards meet the criteria for student-driver discounts. The majority of insurance carriers consider students which has a "B" average to get the lowest-risk student drivers. If your school offers drivers education courses, complete one of many courses and send the outcomes to your insurance carrier.