Can You Get Classic Auto Insurance?
For most people, getting car insurance is relatively easy. They call up their local broker, or get a quite online, and they have a policy within minutes. But, if you own a classic car, then you may have a little more work on your hands. Because your car is worth so much more than the book value, you have to be sure that it is fully insured to the extent that you would be able to replace it if you had to.
There is a type of insurance called classic auto insurance which is specifically designed to cover people with classic cars. Whether you are driving a 1967 Mustang or an old Bentley, you know that your car is worth more to you, as well as to collectors, than it would ever appear on paper.
Classic auto insurance also covers the many modifications that have been made to your car. Even if you have restored your car to its original state, you want to be able to replace it should it be stolen or damaged in some way, and this can be expensive.
Another factor to consider when buying classic auto insurance is your mileage. Most people with classic cars do not use them for everyday driving, and may indeed only bring them out once or twice a year for a short drive. Therefore, your insurance rate can not be calculated at all on your mileage. That is why you need a company and coverage that is specific to classic cars so that you get a good rate and are able to get full replacement value.
Luckily, there are some companies that now allow you to get online quotes for specialty vehicles, classic cars, and modified vehicles, enabling you to utilize the internet for quotes like any other driver.
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- Understanding Classic Car Insurance
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- The Difference between Old and a Classic Cars
- Car Insurance for Collectors
- Classic Car Insurance In California
