NEPA Z wrote:It is in fact old enough for the classic car title (being more than 10 years old). "Antique" class is 25 or older. Does the matter of being classic registered mean lower insurance?
No offense, but if you know that much about it, I'm not sure why you're asking.
Perhaps you should contact your local DMV.
I don't know of ANY state that has a different provision for cars 10 years old. There's nothing "classic" about a 1999 car.
From the PA DMV:
Classic plates are for vehicles at least 15 years old that are in a condition similar to the original specifications, either through maintenance or restoration. Replicas are not permitted.
To qualify for any of these plates, the vehicle must be primarily used for antique exhibitions, parades, and related activities. The vehicle may be driven one day a week for routine transportation use.
The plates cost $75, and there's also a $22.50 certificate of title fee. These are one-time fees, as the plates are permanent and remain valid for the life of the vehicle, provided there's no change in ownership.
http://www.dmv.state.pa.us/pdo...1.pdf
Apparently, PA understands that most cars in that state don't make it to 25 years (rust). 15 years is a silly timeframe. So, a 1995 Ford Escort is a "classic"?
Anyway, you can't use it as a "daily driver" under PA law, so it's a moot point.
My antique / classic insurance is much cheaper. I have Hagerty policies on my 4 classic Datsuns as well as my 240sx, which is insured as an exotic (yes, an exotic - you'd have to see it though).