How To Get Car Insurance for a Classic Car

So, you have found your classic dream car and  are ready to hit the road with it? Well, the next step is to find yourself some classic car insurance. This article will tell you how to locate classic car insurance, how  to make sure you get the best deal, and how to figure out if you meet the qualifications to purchase it.

1. What is the value of your vehicle?  The first step when thinking of purchasing classic car insurance is to find out the exact value of your vehicle. You want to do this so that you know what amount to use for your agreed value with the insurance company. The agreed value is the amount the insurance company agrees to pay you if your car is totaled. A great place to find this out online is at AntiqueCar.

2. Do you qualify?  The next step in your search for classic car insurance is determining if you even qualify to purchase it yourself. If you read the following qualifications and can't meet one or more of them, you will probably need to find someone else who can insure your car for you. The qualifications you must meet to be insured by most classic car insurance companies are:
   • You must be at least 26 years old.
   • You cannot have more than one at fault violation in the last three years.
   • You cannot use the car for general transport,
   • All modifications to the car must be documented.

3. Check with your current insurer first.  If all qualifications have been met, then the first place to start looking for classic car insurance is with your present insurance provider. Whether you carry home or car insurance, some insurance companies carry classic car plans as well. If your insurance company does, you may qualify for a multiple policy discount.
4. Expand your search if necessary.  If you find that your current insurance company does not offer classic car insurance, then your next stop should be your local yellow pages. Go through and see which companies offer the insurance you need and call for quotes. Sometimes local companies will offer discounts to local customers.
5. Find classic car insurers online.  The last, and perhaps best place, to search for classic car insurance is on the Internet. You can do a search and find tons of classic car insurance companies, but these will tend to be more expensive since they specialize only in classic car insurance. Some great sites to start with are Hagerty, AmericanCollectorsInsurance, ClassicAutoInsurance, ParishHeacock, and Grundy.

Once you have gathered all your quotes and information, your last step is to compare the different policies and decide which provides the best coverage at the best price for you. After that, just sit back and enjoy the ride!