Buy Antique Car Insurance Online

If you drive your collector car only for pleasure or to the car show, using it for under 5,000 miles a year you should consider purchasing classic insurance designed specifically for these types of vehicles.

If you ensure these highly specialized classics under a standard insurance policy you are going to have problems should you ever need to file a claim.  Claims adjusters that deal with standard policies also deal with standard cars so they aren’t going to understand a lot of what’s involved with your classic car.  Things like why you need to use a repair of your choice and why you want original parts.

A standard insurance policy will not guarantee a value for your car should it be involved in an accident.  You know the value based on what it cost you to build, but it’s too old to have a black book value and your insurance company could easily throw a $1000 your way and tell you that’s it, that’s all the book says its worth. 

You’ve put years of blood and sweat into your classic auto.  It would be bad enough if something happened to it, let alone if you got screwed by the insurance company.  So why would you take the risk.  Insure your car properly with insurance that is designed specifically for antique trucks and cars, and collectible classics.

If you and your vehicle qualify the premiums on these policies are a fraction of the cost of a standard policy.  You wonder why when the cost of the vehicles can be quite expensive.  Well it’s really quite simple.  Driving for 5000 miles a year or less lowers your risk of being in an accident.   Get Free Insurance Quotes!

As well the insurer understands that the car is build from your blood, sweat, and tears so they believe you are going to be much more careful driving it once again reducing their risk.

When purchasing classic auto insurance purchase from an insurance company that has an A rating and that is licensed to underwrite policies in your state.  The Best’s Key Rating Guide can quickly tell you the rating of an agency. 

Insurance companies specializing in classic car insurance will normally offer three different policy forms – Actual cash value, stated value, or agreed value.  These forms are often misunderstood by the car owner and misrepresented by the insurance agent.

Almost all collectable autos have a stable value which will slowly appreciate over time.  Because their value is stable you should make sure you obtain an “Agreed Value” policy to best protect you.

Under this type of policy if your car is stolen or written off you will receive the agreed value listed in the policy.   Over 90% of companies selling standard insurance do not offer an agreed value policy.

If you are own one of these beautiful classic vehicles, be sure to put the correct antique truck and car insurance on it.  You can save money and know you’ve got the right kind of coverage by getting Free Insurance Quotes online.  Why wait?