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Antique cars are usually the pride and joy of their owners who relish the opportunity to show them off whenever possible; just like everyday cars though, they require insurance. There are many companies available that provide and even specialize in antique car insurance as the number of enthusiasts in this area increases. Of course, with so many classic car insurers available, an owner should not have a problem insuring their prized possession; competition amongst insurers should also mean a quote that meets with the owners financial requirements.Not to be outdone, everyday commercial auto insurers have designed policies to meet the needs of antique car owners; often called collectors auto insurance, these plans meet the exact requirements of the vehicle to be protected. Perhaps more so than a modern car, these policies need to be more precise and an insurance representative will require as much information about the car before he can supply a tailor made quote. You can of course lower your premium by increasing your deductible above the standard limit your insurer sets.Large insurers may not specialize in antique car cover but there are other benefits; these are usually old and trusted firms with a large customer base which is important when you are insuring a precious possession. Often the policy holder may also have their everyday use cars insured with the same company. Most of the time if you arrange antique car insurance with a larger company like this it will cost more but this is offset by the fact that you will feel safer knowing they will still be around should you need them.Independent specialist auto insurers might be able to provide a better service and conditions; the downside is you may have to use a standard auto insurer for any other car. A number of independent insurance providers even specialize to the point where only a certain type of classic car is insured. It is worth doing some research when choosing an independent antique car insurer to make sure they have a good reputation as you will have a great deal of money at stake.This can be an awkward situation when you have been paying your insurance premium regularly to find the insurance company will not pay out on a claim you have made. It can be a lengthy process finding a reliable antique  car insurance provider ; however, the benefits of having proper insurance for the car far outweighs the initial hassle of finding a provider. Most classic cars are worth many thousands of dollars and that is a big loss if the car is ever stolen or destroyed so having auto cover may be the most valuable protection you ever purchase.