Getting an insurance policy can be confusing to a standard car owner. It can get even harder if you own a vintage car and don't know what to look for in an insurance company. Here are some tips that can help you find the coverage you need for your car.
Consider how you use your vehicle.
Many hot rod insurance providers have usage restrictions. There are those that won't allow you to use your vehicle for everyday driving and there are those that will allow you to do this but for a higher insurance rate. The reason for this is simple. Vintage cars are always prone to problems, regardless of how much effort you spend keeping them in good condition. The more frequent that your car is on the road, the greater is the car's risk of getting damaged. The greater the risk, the higher your insurance premiums will be.
So, if you are simply using your car for pleasure driving, get antique collector car insurance with this restriction. This will definitely give you lower premiums compared to a policy that allows you to use your vehicle for general transportation.
Determine your mileage capacity.
Some insurance providers give their clients several options in terms of mileage restrictions. To make sure you won't be going over the limit and avoid getting mileage that is more what you need, it's important that you first assess how often you are going to use your car. This way, you will only be paying for the miles you really need.
Classic Car Ins has several mileage plans you can choose from. Get your free muscle car insurance quote today.
About the Author
Drew Yagodnik is Vice President of Classic Automobile Insurance Agency, Inc. Classic Automobile Insurance Agency has been protecting collector, classic and exotics since 1992.
