Classic Car Insurance Companies

Classic Car Insurance Companies

Classic Car Insurance - 6 Questions to Ask Before You Apply

Are you ready to shop for classic car insurance? Maybe, maybe not. Before you pick up the phone, let's take a minute to review the six questions you need to consider before you talk with an agent. Essentially, your agent is going to want to know how much the car is used and how you plan to maintain it. Knowing the answers to these questions will save you time on the phone -- and put you in a much better position to negotiate the best insurance coverage for your classic honey.

1. Do you plan to insure the car for what you feel it's really worth? Your agent will undoubtedly ask how much insurance coverage you are seeking -- if your personal opinion of value is higher than the vehicle's appraised value, you may want to consider a higher level of coverage.

2. Do you plan to participate in car club events? If so, you need to consider the amount of liability you can incur in such events. A classic car that is stored 365 days a year has much less potential for liability claims than a car that is driven regularly in parades and other event.

3. Are you planning an extended period of renovation for the car? If so, do you need to insure the car while it's off the road?

4. Do you plan to ship the car any time soon? If so, additional coverage may be warranted since the car will be outside of your control.

5. How many miles a year do you expect to drive the car? If these miles are limited, you may be able to negotiate a lower premium. Be sure to ask about any maximum mileage limitations. An annual restriction of 2,500 miles may be imposed by your car insurance company.

6. Who will be repairing or maintaining the car? Again, if the car is outside of your control, you may want to consider higher theft and damage coverage. On the flip side, if you personally maintain the car within secure confines on your property, you may want to pay for minimal coverage.

The answers to all of these questions need to be considered before you decide how much coverage is warranted for your classic car. Also, car owners should be aware that some insurance companies specialize in classic car insurance. But as with any car insurance policy, it's best to get quotes from several insurance providers before making a decision. Hopefully, by carefully considering the answers to the six questions we've discussed, you'll be prepared to shop for the best coverage for your classic car.

Thinking of shopping online for multiple car insurance quotes? You may want to visit the website recommended below to get at least five quotes for your classic car insurance.

About the Author

Barb Dearing is a writer specializing in topics that help consumers save money. She recommends the following website for consumers shopping for online car insurance quotes - http://www.shop-car-insurance.com

Is there any classic car insurance company serving NJ that caters to teen drivers (I'm 18)?

I'm planning on buying a 76 Superior Cadillac Ambulance to make my daily driver, as well as a fun project. I need to find an insurance company that will insure it as a classic car under my name (I'm 18). Most insurers, such as Hagerty and JC require any drivers be 25 or over. From Progressive, I would pay about $2k a year for just liability. My parents have New Jersey Manufacturers, the cheapest credible insurance in new jersey. I could get a policy with them. I pay about $1000 a year in liability for my 95 volvo turbo. I'm just trying to figure out if there'd be a difference in price between that and this ambulance.

See this http://gsx1.com/InsuranceComparison.html take the quote there, keep your fingers crossed. They'll come back with a number of quotes from the best insurers serving NJ.
And here's more comparison sites from my bookmarks

http://finance.ebookorama.com/ukusa-selected-resources.php

http://gsx1.com/Car-Insurance/100.php

E-Type Jaguar Classic Car Insurance