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Ordinary car insurance companies really don’t understand what people in the antique classic car field actually want. They are blinkered by the needs of the day to day car use of Joe public. Everything has to fit into a standard category and car value goes down relentlessly as the years pass by. If you change anything on the car they start licking their lips with the anticipation of a nice fat bonus check. So what are you to do if you suddenly have the urge to buy an historic motor vehicle, a hot rod or simply want to ‘pimp your ride’ and make it look the talk of the town. Well fortunately there are companies out there that specialize in this kind of thing. They know what the car collector wants and make it their passion to keep them happy with the products that they provide.

One of the main aspects of classic car collecting is that your motor vehicle is likely to increase in value as the years go by. This is the exact opposite of the ordinary car market. To this end Classic car insurers have a system of agreed valuation. This means that you can set your own value on the car that you own. Its value may be higher because it is an historic vehicle or possibly because you have spent a lot of money changing the body design or the engine specification. Of course this has to be agreed with the insurer and so you just can’t simply make things up or exaggerate the car’s condition or features. You may have to provide photos of the car as part of the process of valuation.  Read more...

My brother and I plus several classic car enthusiasts were invited to have a rare seldom seen glimpse of Uncle Phil Maloof’s car collection on Edith Blvd in Albuquerque NM. He has a minimum of several hundred cars in several large climate controlled buildingd and all of his cars are in running order. This is the second time I have seen the collection, once in 1987 and then in 1999. It was a nice pleasant sunday afternoon and we drove my brothers beautiful restored 1938 Buick coupe to and fro. This is a couple of years before Phil Maloof moved and transported all of his cars to Las Vegas NV.

There are many companies available that provide and even specialize in antique car insurance as the number of enthusiasts in this area increases. By having a variety of auto insurance companies to choose from, the classic car owner can choose the right type of insurance for their needs. With all this choice they should find something that meets their needs within the budget they have set.

Many commercial auto insurers now provide protection for an antique car, these plans reflect the specialized nature of this type of auto cover and are often called a collectors auto insurance. Operatives for these companies can take all the details of your car so they can tailor make the policy to fit the car. They will also help you decide which types of coverage are within your target budget and which deductible and limit levels you will need.

Large insurers may not specialize in antique car cover but there are other benefits, usually considered trustworthy, they will probably have a large satisfied customer base which means your antique car should be safe with them. If you purchase a car policy through one of these large commercial insurers then the chances are you will also be able to insure your regular car with them, sometimes on the same policy. Although there may be a price premium for antique car insurance with this type of company, the peace of mind it brings could be well worth the additional amount.  Read more...

An antique car can be a huge investment in both time and money, but for many it is a dream come true. Some types of antique car insurance can be very restrictive, so when shopping around for antique auto insurance, make sure that you understand all of the policy and what is covered.

Insuring Your Car

When shopping for an antique car insurance agency, you will probably want to ask around or at least read message boards on line to get an idea of what kind of reputation an insurance agency may have. There will always be a few people who have nothing but ugly things to say, but if the overall feedback for a company is good, chances are they are a legitimate, upstanding company.

Some antique auto insurance companies have stringent restrictions for what type of car they will register. Many companies will only register a car as an antique car if it has a certain percentage of the original, factory installed parts. Many antique cars today have been restored using replacement parts, new carpet, and new glass and so on. These cars may not qualify for antique car insurance with some companies. Of course there are also agencies that understand about restoration and that you can’t always restore it completely to the original specifications.  Read more...

Besides their needs, certain people reinstate antiques car as a leisure Pursuit. These antiques car also require insurance cover on them. Your work is to find out the insurance company which provides Car Insurance for an Antique Car. There are a number of reasons such owners can provide to support their neglect for acquiring proper car insurance for an antique car, but to be so neglectful is borderline irresponsible. If one is going to invest a great deal of money in purchasing an Antique car, then a proper Car Insurance for an Antique Car policy will properly compliment the investment of the antique car.

Insurance Companies Providing Car Insurance for an Antique Car:

Not all insurance providers insure all types of cars. There are a multitude of different antique cars and the totality of antique cars includes exotic cars, military vehicles, motorcycles, tractors and trucks. As such, different antique car insurance policies will be needed to cover the various different makes and models of cars that are out there on the market. Keep in mind Car Insurance for an Antique Car policy take into consideration the equity value of the cars and vehicles.

A person looking for insurance for their vehicle has Car Insurance for an Antique Car from which to choose, and sometimes information can be conflicting and difficult to understand. Contractual language in most insurance policies is difficult to understand without an interpreter and even then, the meanings of some language may seem to be contradicted in other areas of the contract.  Read more...