Classic cars, exotics and other special cars require special auto insurance. Reviewers say that specialty insurance companies are probably your best bet. Regular car insurance companies might not want to insure your ride at all -- or they might charge you higher prices. Some might only cover your car's actual, depreciated value, which may be only a fraction of what it's worth as a collector's item.

Specialty insurance policies will insure your car for a mutually agreed-upon price. They might require you to keep the car garaged and to drive it only a few thousand miles per year. Auto Appraisal Network recommends 5 good longstanding companies: Grundy Worldwide Insurance and American Collectors Insurance, Classic Collectors Insurance, Hagerty Classic Insurance and CHROME Specialty Car Insurance.

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