Insuring a classic or antique car in Ohio may be expensive if the wrong provider is chosen. Many insurance companies are not familiar with classic automobiles. Some providers do not have special programs for vehicles that have an extremely high market value and yet are rarely driven. Before choosing an auto insurance policy to cover an antique or classic auto, do some research and ask the agent some specific questions.Restrictions On Classic Car InsuranceOften an insurance company will not insure a classic vehicle unless the owner is carrying a policy that covers another car, one that is driven on a daily basis. The antique or classic vehicle may have to be a certain age or older. The classic car may not be driven more than about 2,500 miles per year.Many insurance providers in Ohio may not wish to cover the antique car with a standard policy. The company might want to know if the car is driven only to and from antique shows and other special events. The coverage may or may not cover damages sustained by other parties if the incident occurs at a trade show or other location where the car is being driven on display. The antique car probably will not be covered if it is used for any type of commercial purpose.Coverage That My Be RequiredIt is important to ask the insurance company or agent if the car will be covered regardless of which mechanic performs maintenance or repair work. This is vital to securing a policy for classic automobiles. Many of the traditional repair shops will not be able to properly maintain or repair an antique. The policy should also cover the vehicle while any type of restoration work is being performed. The insurance will have to cover the vehicle while it is in transport across the country, because many auto shippers will not cover a classic car during a long trip aboard a specialty trailer.Classic car owners in Ohio should also ask about flexible premiums based on the actual miles driven per month or year. If the car spends most of its time in a garage, a full liability policy may be too expensive. It might be much more practical to consider a temporary policy whenever the car is being transported, with a simple comprehensive coverage plan in force the remainder of the year. This will cover the vehicle in case of fire or water damage.