The Easy Guide to Getting Antique
and Classic Car Insurance

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Your classic car is a lot more valuable than some ordinary old car. It's more expensive to maintain and repair, too. So, getting antique and classic car insurance for your classic car seems like it would be expensive, too, but that depends on how you drive it. If, like a lot of classic car owners, you only take your baby out for special occasions, you don't have to maintain standard auto coverage. Instead, you might be able to benefit from a specialty car insurance program designed to cover your classic car. Not all specialty insurers are created equal, though, and many have specific requirements. You may have to do some digging to find the best insurance for your antique or classic vehicle.

Many specialty insurers will have restrictions on how you can use your when it's covered by then. Such limitations as driving it only a certain number of miles or using it only for special events are not unheard of. Your car will also probably need to be a specific age – usually over twenty-five years old – though some insurers will cover any collectible. If you use your classic car as a “daily driver”, you may find that specialty insurance isn't right for you. If, however, you take it out only every once in a while, or use it only in parades or other special events, classic car insurance might be able to save you a lot of money. Conventional car insurance can be as much as 500% more expensive than specialty insurance. Ideally, you should be geared towards restoring and maintaining your classic car in its original condition. Modified or souped up classics and antiques are often exempt from coverage.

The advantages of specialty insurance for your classic car include a lower premium than standard insurance and the fact that the specialty company will have a better understanding of the value of your car. While most insurance assumes that cars decrease in value as they grow older, specialty companies understand that your classic or antique vehicle actually increases in value. If you keep it in good shape, your car will be worth more the older it gets, so you need to have an agreed upon value with your insurer that reflects the worth of your classic vehicle. Some companies can even create a custom policy for your auto. Since most classic and antique vehicles are different, you might need different coverage and terms than other people. Specialty car insurance companies can help you with this.

With specialty car insurance, you can know that your classic vehicle is protected against damage and accidents, and that your premiums are lower than they would be with an ordinary policy. Specialty car insurance may be perfect for your antique or classic vehicle, depending on your situation and how much you drive. Look into this useful alternative kind of car insurance today, and begin saving money while protecting your valuable classic car.

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