You see, a classic car may be often made of irreplaceable parts. When you need to file or make a claim on your 1993 Cavalier, the claims adjuster has a little book that that tells him how much the car is basically worth. But the value of your 1967 Corvette may be a bit harder to determine, especially if you've put a lot of work into the car. That's why it's often best to hire an appraiser when you decide to take out a collectable car policy. Before you do so, though, shop around to see who will provide this kind of policy and even if your car qualifies.
Different companies have different standards , rules, conditions and claims procedures.
Some will only provide coverage on a special rate for a car over 25 years old. Some may not provide coverage to operators under 25 year old. Some policies may seriously restrict the use and type of use the vehicle may have. Some insurance companies offer riders or endorsements that let you add the vehicle to your regular policy and and some companies have separate policies. Price for example.