If you are the proud owner of an antique car then you know it is no small investment. Many owners choose to protect this investment with antique car insurance. When considering the right car insurance for you it is good to keep in mind that all policies are not created equal. In fact, some antique car insurance is very restrictive so it is best to research your options before buying.
Choosing An Insurance Agency
It is never a good idea to blindly choose an antique car insurance agency. If you do, you may regret it when you try to make a claim. There are many places on the internet where it is possible to learn about the various agencies out there. Try browsing some internet forums to get an idea of the reputation of a potential insurance provider. By paying attention to what other customers say about each company you should be able to get a good idea of the service provided.
Each company is different, but many antique car insurance companies have more strict requirements for potential cars. For instance, if you have added new parts to your antique car then it may no longer be eligible. It is important to check with the company to see if your car can be covered.
Depending on the company you choose, you may be able to qualify for antique car insurance even if you have restored your car. It is common to replace a car's windows or carpeting and many companies understand this. So even if your car isn't completely original you will likely be able to obtain coverage.
Companies have additional requirements worth considering. Some antique car insurance policies will require you to store your car in a locked garage that protects the car from the elements. This isn't feasible for everyone so it might restrict your options. Other companies will have restrictions on the kind of driving you do with the car and even on the number of miles you are allowed to drive the car. All of these factors must be considered when shopping for antique car insurance.
Other restrictions worth considering are that you may need to have your car appraised and photographed for the insurance company. Some companies will also demand that the driver be at least twenty five years of age and have clean driving record.
It might seem like antique car insurance is difficult to get and packed with restrictions but for many antique car owners it is well worth the hassle. Antique cars are becoming more scarce and more valuable. Without the protection of antique car insurance you could altogether lose your investment. If you decide to insure your car then take the time to understand the various policies and all of their restrictions and requirements.
Choosing An Insurance Agency
It is never a good idea to blindly choose an antique car insurance agency. If you do, you may regret it when you try to make a claim. There are many places on the internet where it is possible to learn about the various agencies out there. Try browsing some internet forums to get an idea of the reputation of a potential insurance provider. By paying attention to what other customers say about each company you should be able to get a good idea of the service provided.
Each company is different, but many antique car insurance companies have more strict requirements for potential cars. For instance, if you have added new parts to your antique car then it may no longer be eligible. It is important to check with the company to see if your car can be covered.
Depending on the company you choose, you may be able to qualify for antique car insurance even if you have restored your car. It is common to replace a car's windows or carpeting and many companies understand this. So even if your car isn't completely original you will likely be able to obtain coverage.
Companies have additional requirements worth considering. Some antique car insurance policies will require you to store your car in a locked garage that protects the car from the elements. This isn't feasible for everyone so it might restrict your options. Other companies will have restrictions on the kind of driving you do with the car and even on the number of miles you are allowed to drive the car. All of these factors must be considered when shopping for antique car insurance.
Other restrictions worth considering are that you may need to have your car appraised and photographed for the insurance company. Some companies will also demand that the driver be at least twenty five years of age and have clean driving record.
It might seem like antique car insurance is difficult to get and packed with restrictions but for many antique car owners it is well worth the hassle. Antique cars are becoming more scarce and more valuable. Without the protection of antique car insurance you could altogether lose your investment. If you decide to insure your car then take the time to understand the various policies and all of their restrictions and requirements.
About the Author:
You can find tons of info about antiques on the internet. For additional information take a look at this website on antique car insurance.
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