Getting Insurance for Your Classic Car
Posted by Steve White on Apr 27, 2009
A classic car is a valuable possession, and it does deserve the extra thought when you are getting insurance for it. With so many car insurance companies and policies to choose from, it is quite difficult for you to ascertain which one is most suitable for your classic pride and joy.
To narrow down the options, you should select a car insurance company that provides special policies for classic cars. However, such a company may be extra careful when they are selling their policies, since classic cars are mostly very valuable. There are a number of requirements that have to be met before you are considered eligible for the company’s classic car insurance policy. The condition, value, and usage of your classic car as well as your driving record will be taken into consideration when the company assesses your eligibility.
An agent from the classic car insurance company will give you an interview, and you will be asked questions about the maintenance, value, and usage of your car. He may also inspect your car personally. Some insurance companies require cars of selected models to be of a certain age before they are considered “classics”. There are also companies that require owners to keep their classic cars in locked garages when they are not in use. Your driving record will also be evaluated.
Most owners of classic cars choose car insurance companies that offer special classic car insurance policies because their rates are usually more affordable. While getting a policy from such companies may require more work, it will be worth the extra effort in the long run.
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