It doesnt matter how old its is as long as its considered a collector or specialty car. I believe Joes Lotus is a 93? and I know a bunch of MKIII supra owners whose cars on a classic policy. The agency asked me whats the value on the car and never asked for an appraisial or anything. They came and took photos of the car and thats it. Ofcourse you must have a garage, be 25+ yrs old, clean drivers license/record, every household member must have a car and I think thats it. I also have unlimited miles.