Insuring classic and more antique cars can be a bit more complicated than insuring an ordinary one. The insurance you\'re going to get for your car should depend on how you\'re planning to use it. If this is the first time you\'re buying (or insuring) a classic automobile, you should thoroughly inform yourself of your options and of offers in the market so you can be confident that you\'re asking your insurance agent the right questions when it\'s time to negotiate a deal.

If you want to be able to take the car to your own mechanic for repairs, have premiums that are flexible and need an insurance that will cover shipment costs and damage incurred at car shows, you should compare quotes, programs and features of different insurance companies that cater specially to collector car owners.

To qualify for specialty programs (ones that charge lower premiums for less restrictive policies than those of standard insurers), you must own and drive a separate daily driver vehicle. That and you have to be a certain age, just as well as your car. Qualifiers on classic cars are that it may only be driven 2,500 miles or less in a year and for certain activities only. You cannot use your car for commercial purposes too if you want to enroll it in a specialty program.

If you can afford to buy classic cars, then you should normally be able to afford its insurance coverage too, and a good one at that. Don\'t be conservative when it comes to choosing claims and definitely, definitely choose an insurance company with an excellent customer service staff. Again, don\'t let cost be the determining factor.

Luckily, many if not all car insurers will allow you to make payments on your insurance policy. Needing to have the entire lump sum is not necessary, however, I would recommend it since you can save money on interest and extra financing charges that may come up.

Having insurance for you classic antique car can definitely allow you to sleep at night and know that your car is protected from various issues that might come up during the life of you car. Things like theft, accidents and the like can be difficult to worry about if you have no insurance. And besides, it\'s the law too. Shop around and you are certain to find the right insurance policy for both you and your vehicle.