You are supposed to save money whenever you add a vehicle to your current policy. But is it better to actually take out a separate specialized policy for an antique or classic car? I heard about some that insure according to how many miles the vehicle has. I've also heard of one called, "CHROME". The word stands for : Classic - Hot Rods - Original - Modified – Exotic.

I think it depends on how old the car is, how many miles it has.. etc. I'd pay a separate insurance for each, more paperwork but I've been advised it's better this way.