Antique Auto Insurance For Those With Good Taste
Are you one of those lucky antique car owners? Do you like going to local meetings were people display their antique cars. Maybe you like to take your antique car to parades or national car shows? If so, how do you have that car insured? Are you paying for insurance coverage you don’t need.
Did you know that there was a special insurance for your antique car? It is much less than what you would pay for regular car insurance. The reason is that antique car insurance assumes that you are not driving your antique car 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, although the can be transported and displayed for show. They may allow you to drive them in parades but not to cruise down the beach in.
There are special antique auto insurance policies you can get for your antique car. They often have some restrictions such as having the car secured in a garage and that it can not be used for pleasure drives. They must only be used according to what the policy allows.
You first need to think about how often you’re going to drive that car and how it will be stored. Most companies that provide antique auto insurance require that you disclose how often and how far the car will be driven. For instance, some very old cars are used only in parades, exhibitions, club activities, and other such limited functions. They are not used for “joy rides” or anything else. Your carrier for your antique auto insurance may dictate how far the car can be driven and how often it can be taken out. They may also state quite clearly that the car cannot be driven for personal use.
There is a difference between classic cars and antique cars. Classic cars are only 15 years old where antique cars have to be at least 10 years older than that. You may see a variety of cars at car shows such as muscle cars. These types of cars are maintained for their looks and speed. Their insurance is much higher because there is a higher risk for damage on these type cars as compared to antique cars.
You need to shop around and ask questions when look for good antique auto insurance. It should not cost you an arm and a leg because antique cars are to be displayed and not used much; therefore the premiums are much lower than even regular car insurance. You must abide by the stipulations of the antique auto insurance or you may not get the full benefits and coverage of your policy.
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