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Classic Car
If you drive an antique or classic car, you may need classic car insurance to keep it protected. Classic car insurance is a special type of insurance designed specifically for this purpose, so you can choose a plan and trust that it will serve your unique needs.
If you drive a classic car, here’s what you need to know about classic car insurance.
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Classic Car vs Traditional Auto Insurance
Standard car insurance offers limited coverage for classic cars, though it won’t cover the full value of the vehicle in most cases. This is because most insurance policies take age, mileage, and depreciation into account when they determine how much your car is worth. They don’t take into account whether the car has been customized or restored. This means your car may be valued at much less than what it’s really worth.
Classic car insurance includes coverage that is similar to traditional auto insurance policies. However, unlike traditional insurance, classic car insurance bases the coverage amount on an amount that is agreed on by the owner and the insurer. If your car increases in value over time, you can increase your coverage limit. This helps make sure you will be able to pay for specialized repairs or restoration if your classic car gets damaged by an accident or natural disaster.
How To Get Classic Car Coverage
To qualify for classic car coverage, you must meet a set of requirements. For example, a car that is protected by classic car insurance cannot be used for everyday driving. There are also mileage limits that will cause a lapse in coverage if you drive too often. Some insurers may require proof that the car is stored properly too. There may be stipulations for drivers with a poor driving history too.
Find Classic Car Insurance
If you own a classic car, you don’t want to risk a huge financial loss if it’s involved in an accident. Get the protection you need by purchasing classic car insurance today. We can help, just call Insured For Life to get started with finding a classic car insurance plan.
