Most auto insurance policy limits are determined by the value of the car at the time of the ORIGIONAL purchase minus the depreciation amount.  For classic and antique car owners this means that with traditional auto insurance the vehicle is basically not worth anything.

Fortunately for those people who love their classic babies, there is an automobile insurance that will make up for the difference.  The best thing about the special coverage for classic cars is that it is typically much less than traditional auto insurance since few classic car owners drive their precious investments for very many miles.

Some policies can offer no deductible, roadside assistance and even a value that the owner and the company agree on before the policy is issued.  This option could save the automobile owner hundreds in premium costs.  Even more valuable the classic automobile insurance will offer the protection needed for cars that hold no value under traditional auto insurance guidelines.

The Classic Car Club of America recognizes most cars built between 1925 and 1948.  The Antique Automobile Club of America defines an antique car as one that is 25 years or older.  There may be exceptions to these definitions and it may actually change from one automobile insurance company to the next.

If you are a classic or antique automobile owner or if you are considering making an investment then you should check around for automobile insurance that will actually protect your vehicle for the value that it costs to replace.