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Vintage automobiles are a car collector’s dream, however, finding the right car insurance company who offers classic car insurance can be a little less dreamy.
As a vintage vehicle owner you need to find a car insurance company who understands the value of your classic car more than the value simply shown on a depreciation schedule.
While it is true that many of the nationwide car insurance companies provide classic car insurance, most of them do not specialize in this product thus your quality of insurance coverage.
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What is a classic car?
Classic Cars can be also be referred to as Collector Cars or Vintage Automobiles and usually fall in the same custom car insurance policy category as modified cars – such as Muscle Cars, Custom Cars and Street Rod Cars.
Classic car insurance (Vintage Car Insurance) quotes are usually much lower than standard car insurance quotes since most collector car insurance policies involve limited vehicle use.
The main types of car insurance are comprehensive coverage and accident liability.
Almost any classic car owner will tell you money is almost secondary since the rarity of finding a replacement vehicle is few and far between however its still important to carry car insurance for a number of reasons.
Replacement value is high on the list of needs for a good classic car insurance policy, but remember that most classic cars do not have airbags, theft deterrent systems, anti-lock brakes and many of the safety features standard on today’s automobiles.
In the case of an accident, it is entirely possible for an injured parties lawyer to make claims.
You were driving without standard safety features required by today’s law
Having the appropriate classic car insurance policy will help mitigate any potential claims while your family a reasonable level of protection for any or all injuries sustained.
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