How To Insure Your Classic Car

If you own a classic car, you know that it can be hard to get insurance for it. You have to think about things that are only important for classic cars. Here are some things to think about when picking an insurance company for your old car.

You should get insurance that covers how you drive your car. Why pay for a car if you don't drive it every day? If your insurance company has experience with classic cars, they probably have policies for cars that are only driven on weekends or never at all. The more you drive it, the higher the risk and the more you will have to pay. If you buy insurance for a car that should be kept in a garage, you won't be covered if you drive it. Make sure you tell the insurance company the truth about how you plan to use your car so that you are fully covered but not overcharged.

How much do you think your car is worth?

Don't assume that your insurance company knows how much your car is worth. You might find that you value it a lot more than they do. Get an insurance policy where the value of the car is written down. Get a written estimate of how much your car is worth so there is no doubt.

Does the insurance company have experience with classic cars?

If you can, choose a company that knows how to take care of classic cars. Most insurance companies don't know and won't be able to find you the right policy. If you are in a car club, ask around for suggestions. If you can't get a recommendation, you can talk to your agent. Ask them what kind of insurance policies they have for classic cars. Find another agent if they try to fit you into a basic policy.

Find out ahead of time if there are any rules about how the vehicle can be used. You need to know ahead of time if you can only drive a certain number of miles or if you have to park it in a certain place. Pay close attention to your policy.

Don't take the first price quote you get. If you do your research, you can find the right auto insurance policy for you and your car.