Owning and insuring a classic car doesn't need to cost you a ton of money. What you need to know is that, in the event of an accident, there will be enough insurance money to replace it...

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Here are the questions you need to be sure to ask when you're shopping for classic car insurance...

• Will this policy be an "agreed value" policy?
• Will I need an appraiser?
• Do I need to garage my classic car?
• How will my driving and mileage effect my rates?
• Does the insurer have to approve my appraiser?
• What are the liability limits of my policy?
• What are my comprehensive coverage limits?
• Does my car qualify as a classic car?
• What discounts am I eligible for?
• What is my limit on collision coverage?
• Under what circumstances might my claim be denied?

It's important to understand that to qualify for classic car insurance, your car will need to meet certain specific qualifications. Of all the qualifications, your driving record and history is the most important, and will have the biggest impact on rates. For instance, you may only be allowed two moving violations.

You will also be required to show that the registered drivers in your home have access to another motor vehicle for their daily driving needs. In order to qualify for classic car insurance, most insurers won't allow your car to be the primary means of transportation in the household, or used for everyday errands.

The good news is, once your car qualifies as a classic, you will be pleasantly surprised at how low the rates can be to insure it. Never forget that it's just as important to shop around and get several quotes for classic car insurance as it is for any other type of insurance.

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