Antique Car Insurance: It’s Worth the Time to Specialize

If you are a car aficionado, nothing gets your engine roaring faster than the purring motor of a pristine classic car.  Whether you dream of cruising the roads in a Camero Z28 from 1969 or restoring your dad’s ‘65 Volkswagen Beetle, there’s one thing that any classic car fan should be familiar with, and that’s antique car insurance.

Sure, it’s possible to put a classic car on your regular auto policy – but the chances are that you will pay much more than you would if you researched antique car insurance.  Why?  Because most people drive their classic cars differently than their everyday vehicles.

Not many people will spend weeks or months lovingly retouching the paint on their classic beauty, and then store it outside under a tree.  Instead, they’ll coddle it by keeping it in a garage.  No true classic car lover would find a pristine muscle car and then let it fall into disrepair; instead, they’ll take the time and effort to care for every part and keep it in perfect working order.  And not many classic car lovers would risk their darlings by driving aggressively.  Instead, they’ll probably take it out for Sunday drives or car shows, and leave it at home otherwise.  In other words, antique car insurance is less of a risk.

Antique car insurance may come with some restrictions, however.  You might not be allowed to drive more than a certain number of miles per year.  Furthermore, the types of renovations, additions, and repairs that you can do on your classic vehicle might be sharply curtailed by your antique auto insurance agency.

Many antique car insurance agencies have policies about the kinds of cars that qualify for specially discounted insurance.  For example, home built cars, vehicles with street racing modifications like nitrous tanks and roll cages, replicas, cars intended for everyday use, and dune buggies may be excluded.  Some home modifications may cause your car to no longer qualify for some types of antique car insurance.  And mistreating or storing your car outside may also disqualify you.

In order to get the best rates on antique car insurance, shop around for a company that understands your love for classic cars.  Don’t simply assume that your regular car insurance agency can provide the best rates for you and the object of your passion – your gorgeous classic car.