There are certain insurance companies that specialize in classic car insurance, and it is a good idea to find a company such as this for some very obvious reasons.
Collector cars can be a massive investment, and not everyone can afford the specialist auto insurance that needs to be purchased for full and proper coverage. You will be looking for a customized policy that covers every aspect of your car including the valuable parts that you have probably purchased to restore your collector car to mint shape.
Some people only drive their collector cars during certain seasons, like summer, to minimize the exposure of the car to the elements and to reduce the chances of it sustaining significant damage. After all, your collector car is like driving a work of art and you need to preserve its beauty as well as its value.
Comparison shopping online for classic car insurance is a great way to ensure that you get the lowest possible rate as well as the best coverage. Of course, you may be the type of car owner who has several classic cars and want to find a company that can cover all of your collector cars, perhaps with deeper discounts depending on how many cars are actually covered under the policy.
You want to make sure that if you need to make a claim under your classic car insurance policy that you are dealing with an insurance company that is knowledgeable on the value of your car and can provide you with unparalleled service. It may be prudent to have a professional valuation performed on your car so that you have something in writing to present to the classic car insurance company so there is no quibbling about the value should the unthinkable happen. Of course, you want to make sure that you are covered with the correct amount of classic car insurance for the value of your collector car.
The car insurance company that you ultimately choose should advise you on the best policy, allow you the freedom to choose or deal with a repair shop that you like and allow you unlimited mileage. Some specialist auto insurance companies put a limit on the amount of mileage you can put on your collector car during a specific term. Of course owning a classic car means getting constant enjoyment out of it and you do not want to be limited on when and how often you can drive it.
Decide in advance if you need an additional roadside assistance type of policy with flatbed truck options. Classic cars are definitely not meant to be towed around like everyday cars, and you don’t want to find out that you are not covered for special towing needs in the case of an accident or break down.
The best choice in classic car insurance should include low annual rates, and a combined policy that includes comprehensive, liability and collision.
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