Classic car insurance operates under a distinct set of rules that differ fundamentally from standard auto policies, requiring vehicles to meet age thresholds (typically 20 to 25 years), maintain excellent or restored condition, and stay within strict annual mileage limits, usually between 1,000 and 5,000 miles. These policies rely on agreed-value coverage rather than actual cash value, protecting your investment at a predetermined amount that reflects the true market worth of your collector vehicle. You’ll also need to prove you own a modern daily driver, store your classic in a secure garage, and demonstrate that you’re an …