Antique Auto Insurance For Those With Good Taste
You might be one of those lucky few that have a mint condition antique vehicle. Are you paying too much for your insurance coverage? Are you paying as much for your antique automobile insurance as you are your regular insurance? If you are then you are paying way too much.
Did you know that there was a special insurance for your antique automobile? It is much less than what you would pay for regular automobile insurance. The reason is that antique car insurance assumes that you are not driving your antique vehicle on a regular basis or even for joy rides. So even though the insurance is affordable they do have certain restrictions. They must not be driven for leisure, even though the can be transported and displayed for show. They might grant you to drive them in parades but not to cruise down the beach in.
Since the parts and cars are virtually irreplaceable, the antique auto insurance requires the person to make sure the car is secured. This means that they must not be just covered with a tarp in the yard. They must be in a garage and secured. This protects from damage and theft.
So, if you only take your automobile to special events to show it off you might qualify for a reduced vehicle insurance rate. You’ll have to prove to the insurance company that you really only use it as a show car. If you happen to have an accident in it while driving to work, you can expect the insurance company to deny coverage. You can expect they to strictly enforce the policy rules.
Some people confuse classic cars and antique vehicles. Antique vehicles are much older than classic vehicles. Classic vehicles only have to be 15 years old where antique cars have to be at least 25 years old. Muscle and kit automobiles are also different as they’re used for racing speed and leisure. Antique auto insurance does not cover these muscle automobiles because they’re at higher risk for being damaged.
If you have an old car you’re proud of, consider getting antique auto insurance so that it doesn’t need to just sit in the garage. Shop around a little to get a good deal. It isn’t as expensive as you might think it is. Since the car is driven so infrequently there is not much risk for the insurance company so they don’t charge as much as they do for your each day automobile.
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