Ensuring Your Car’s Future: Antique Car Insurance

August 14, 2017 · Posted in General Articles on Car Insurance 
by Margaret Nufflemeyer

Do you own an antique car? Then you are no doubt aware of how much money and time can be put into such a car. It is a wise choice to protect this investment with specialized car insurance. However, unlike most auto insurance, antique car insurance has more demanding restrictions and is more difficult to qualify for.

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.

Keep in mind that many antique car insurance agencies will only insure you car if it is has original parts. For this reason, it is good to have knowledge of your car’s history so that you can assess whether or not a company will insure your car. A little research can go a long way.

If you have a car that has many new parts then you may have to shop around for insurance. Luckily it is common to replace upholstery and glass in antique cars and many agencies understand this. If you have a good understanding of your car’s history then you should be able to find the right insurance.

A further consideration is that many antique car insurance companies put restrictions on how you drive and store you car. Many require you store it in a protected garage where it is safe from the elements. You may even have driving restrictions. For instance, some companies might give you a mileage quota or restrict the type of driving you do.

In addition, many antique car insurance companies will expect you to have your car appraised and photographed for their records. They might also demand that any driver be at least 25 years old and have a clean record.

Although it may seem a daunting task to get your antique car insured there is probably an ideal antique car insurance company out there for you particular case. The important thing is to understand the policy entirely so that you will be able to follow the company guidelines. This way if you ever do need to make a claim you won’t have any problems.

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