Many antique car owners invest countless hours and dollars into restoring and maintaining their cherished car. For most, this is an investment that needs security. Antique car insurance provides these owners with the peace of mind they need. If you too are interested in antique car insurance then take the time to understand the details of potential policies.
Research Your Options
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.
Another point to consider when choosing an antique car insurance provider is that many of these companies require your car to be stored inside a garage. You may not be able to keep it outside. Additionally, some companies will give you a quota of miles you can drive on the car. For many people these restrictions can be too limiting. If you plan on using your antique car as your main driving car then you may find it difficult to find an antique car insurance provider.
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.
There is plenty of information about antiques on the internet. For additional information take a look at this site on antique car insurance.