People who own antique cars are generally passionate about them; insurance for a valued possession such as this essential, even if it were almost impossible to replace. Fortunately there are antique car insurance companies who are able to provide the sort of cover an older car needs. This is good news for the classic car owner who wants a specialist company to look after his insurance as they should have plenty of choice; they are also more likely to get the policy at a competitive price.Many commercial auto insurers now provide protection for an antique car; they refer to them as 'collectors auto insurance' owing to they're specialized nature. Coverage is calculated once a representative from the insurance company takes the details of your car and your personal details so as to provide the best policy. 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; companies like this are usually well established with a good reputation. Another benefit of using these large companies is they can provide cover for the owner's everyday cars as well. Although there may be a price premium for antique car insurance with this type of company, the peace of mind it brings could be well worth the additional amount.Large numbers of old  car owners  still insure their vehicles with the specialist auto insurers as they can be more competitive; however, this might mean you will not be able to insure any other type of car with them. Owners of very rare classic cars may even have difficulty insuring their car. If you are going to use and independent antique car insurer then first check that they can be trusted and have a loyal customer base before you part with any money.The last situation you want is to require their help and find that all your premiums have been wasted because they cannot or will not pay out on your claim. Locating an antique car insurance company is not as straightforward as finding a regular auto insurance provider; this is a process that must be followed if you want to ensure your precious car is protected. Any owner of an classic car will cherish the vehicle and will undoubtedly want the  best policy they can afford for something that cannot be replaced if it is destroyed or stolen.