The characteristics that make a vehicle a classic car vary, but a classic car is typically any vehicle more than 20 years old that is restored in a way that is consistent with its original build. While classic car insurance usually includes normal coverage types such as liability, collision and comprehensive coverage, there are other non-standard elements of a classic car policy. You’ll usually have to determine an agreed value for your vehicle with the insurance company that reflects your vehicle’s appreciation.  Restoration coverage provides coverage while you’re in the process of restoring or rebuilding your vehicle, and spare parts coverage provides financial protection for specialty tools and parts that may be in your possession. Classic car coverage may include higher limits for spare parts, which can be more expensive than for a standard vehicle.