So, you are thinking about buying a classic car. Whether it’s the Mustang you always wanted in high school or your grandpa’s old Buick brought back to life, there’s something magical about a vintage ride. But before you get carried away by the chrome and nostalgia, slow your roll – because buying a classic car isn’t like picking up a used Corolla off Craigslist.

If you are not careful, that “great deal” can turn into a giant headache (and an even bigger bill). Here are 6 rookie mistakes to avoid when buying a classic car – and a few smart moves to help you cruise instead of stall.

1. Skipping the Homework

Let’s start with the basics. Every classic car has a story – and some have skeletons in the trunk.

Don’t assume that just because a car looks shiny and vintage, it’s valuable.

What to do instead:

• Research the model’s typical value using reputable sources like Hagerty or J.D. Power’s (formerly NADA) Classic Car Guide.
• Learn about common mechanical or rust issues with that year/make/model.
• Check the availability of parts – some are impossible to find or wildly expensive.

Bottom line? Fall in love with your car after you do your research.

2. Skipping the Pre-Purchase Inspection

This is the classic rookie move: You show up, you hear the engine roar, and next thing you know, you are handing over a cashier’s check.

Please don’t.

What to do instead:

Hire a qualified, third-party mechanic to perform a road-ready inspection before buying. They’ll look at:

• Frame damage or rust issues
• Engine condition
• Brake systems
• Electrical gremlins (common in older cars)
• A $200 inspection can save you thousands later. Worth it.

3. Not Having a Mechanic Lined Up Beforehand

You found your dream car, but now nobody within 50 miles knows how to service a carburetor? Yikes.

What to do instead:

Search local specialty mechanics before you buy.

• Look for garages that focus on vintage or classic models.
• Ask about their experience with the exact make/model you are considering.
• Don’t forget to ask about labor rates – specialized mechanics aren’t cheap.

Also, if you don’t already have a garage, make sure your HOA or local city rules allow you to store or work on the car at home.

4. Ignoring the VIN Numbers

Here’s where you put on your detective hat. That Vehicle Identification Number (VIN) is key to knowing if your “original” car is actually original or stitched together from a dozen donor parts.

What to do instead:

• Check that the VIN in the windshield matches the VIN on the title, frame, engine block, and door jamb.
• Look for tampering or inconsistent rivets.
• Run the VIN through a classic car registry or Carfax (if available) to get the vehicle history.

Remember: mismatched or suspicious VINs can affect resale value and even insurance eligibility.

5. Underestimating Ongoing Costs

That classic car glow fades fast when you realize:

• It needs non-stop attention
• It gets 10 miles per gallon
• Your regular mechanic just shook his head and walked away

What to do instead:

Budget for more than just the purchase price. Consider:

• Monthly maintenance (and it won’t be oil changes and brake pads – think hoses, gaskets, wiring)
• Secure garage storage (outdoor exposure is a no-no for classics)
• Insurance (more on that below)
• Registration fees and potential smog waivers depending on your state

A classic car is a lifestyle – not a bargain.

6. Not Getting the Right Insurance

This one is big. Regular Auto insurance isn’t going to cut it for a 1969 Chevelle or a 1958 Porsche.

What to do instead:

Talk to your insurance agent or broker about Classic Car Insurance, which typically includes:

• Agreed Value coverage (not actual cash value!)
• Usage restrictions (like mileage limits or show-only driving)
• Coverage for spare parts, restoration tools, or trailer towing
• And yes, you might even qualify for discounts if your vehicle is safely stored or rarely driven.

A quick tip: Make sure the value of the car is clearly documented and agreed upon with the insurer – don’t leave it up to a guess later.

Final Thought: Love the Car – But Protect Yourself First

Buying a classic car should feel exciting. But excitement + impulse = expensive mistake. Avoid the rookie pitfalls, prep your support system (mechanic, garage, broker), and you’ll be ready to roll without regrets.

And if you ever need help insuring your classic ride here in California, we are just a call or click away.