A classic, collectible, or antique car is no ordinary car—and regular auto insurance is not sufficient to protect such a vehicle against damage or loss.

That said, there is no uniform definition of a classic car. If a car’s value exceeds its original selling price, then it might be considered collectible and a candidate for specialized classic car insurance. In general, vehicles that might warrant classic car auto insurance include:

• Antique and classic cars, usually at least 25 to 30 years old
• Hotrods and modified vehicles
• Exotic and luxury autos—think James Bond
• Muscle cars
• Classic trucks