Be sure the coverage limits for both liability and uninsured/underinsured motorists coverage provided by the auto policy covering your everyday car(s) match the same coverage limits provided by your "Classic Car" policy. The medical payments limits may vary, depending on what the insurance company's filings offer.

A few unethical insurance agents will tell you not to obtain a separate classic car policy because their auto policy or personal umbrella/excess policy will not allow it. This is misleading and simply not true. There are two key provisions these policies may require of a classic car policy:

1. The limits of liability coverage provided by the "Classic Car" policy must be the same or higher than those provided by the everyday auto policy.

2. The insurance company issuing the policy should be "A" rated.

If necessary, ask the agent to show you where their policy states you cannot secure a separate auto insurance policy for your "Classic Car."