Classic cars are a bit like children really, they are pampered and worried over a great deal and this includes their insurance. Most people believe in the idea of you get what you pay for but with classic car insurance that is not necessarily the case. You can acquire cheap classic car insurance if you spend a little time and effort looking. You will need to gather some specific information for this task.
Classic cars are a different breed than your average car; you will need an insurance appraisal in hand. Whether you restored a BMW or a 69 Charger, you will have to show the level of restoration and maintenance through pictures, both of the inside and the out. Take several pictures of your classic car, front, back, and side.
You may not realize this but there is no set definition for the classic car, insurance companies can differ on this and you will want to make sure your car fits into the category for the insurance company you are considering. In some cases, the company will consider any restored older car as a classic; this can include street rods or tricked out rides. On the other hand, you may find the company has decided to use the standard 20 years old and good maintenance as their compass for classic cars.
There is a stipulation in many classic car insurance policies that state there must be a regular vehicle for each licensed driver. This is a way of ensuring you are not using the classic car for everyday use.
Of course, almost all insurance companies require that you have adequate storage for your vehicle. Even though you might never consider leaving your classic out in the elements, they just need to be sure.
You will want to find a policy that allows you to secure your car for a specified amount of money since the value of classic cars can vary and even change should the model become scarce. Your appraisal and pictures will make this task much easier. In fact, you will notice that the more preparation you do before looking for insurance the better your chances for finding cheap classic car insurance.
The last order of business is to check on your limits of coverage. If your car will spend most of her days tucked away, snug and secure only to play during car shows or parades you will not have to look very hard for cheap classic car insurance. On the other hand, if you want a bit more freedom to take the car for a Sunday drive or on a road trip, you will want to be sure your insurance covers you.
Knowing exactly what type of coverage, you need and the amount will keep your hunt for cheap classic car insurance simple. You will already know what to look for to insure your baby once you begin the search.
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Looking for car insurance rate quotes for your classic car? You can also get car insurance for young people at Cheap-Motor-Car-Insurance.com
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