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Do You Need Insurance For An Antique Car?

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.

Antique cars have special insurance policies because they are not used like everyday cars. They are usually stored away safely most of the time and only taken out for special occasions, like parades and car shows. Heaven forbid that they get mud or grease on them from driving on a sloppy day or speeding down the highway. A few finger prints is about all they can handle. To offer their special rates, antique car insurance policies are packed with restrictions and requirements.

The storage of the car may also come into play with antique auto insurance. Most companies require that it be kept in a locked garage or storage facility when not in use. Keeping it under a tarp in the backyard may not be protection enough. Remember, these older cars are impossible to replace so the antique auto insurance provider wants to be sure that the risk to the car being stolen or vandalized is kept to a minimum.

You may find that if you are only driving your car to club meetings, parades and special events that you are paying way too much for you antique auto insurance. An antique car is an investment. Many times the parts and the car itself can not be replaced. That is why antique auto insurance has certain restrictions. They do not want you to take unnecessary risks but they are willing to give you a decent premium if you take certain precautions.

It's also important to realize that there is a difference between antique auto insurance and the coverage provided for vehicles such as "muscle" cars, racing cars, and even what you may call classic cars. Most antique cars need to be 25 years old or more, whereas classic cars may be only fifteen years old. Also, it may be assumed that muscle cars and racers will be used more often and may pose more of a risk for accidents - most who own cars like this know how tempting it is to start racing it or showboating just a little.

If you shop around you should be able to save yourself hundreds a dollars a year by buying the right antique auto insurance policy for your beloved car. The insurance company does not have much risk because the car is kept in a safe place most of the time. Because of that, they don't have to charge you a huge annual premium.

Article Source: http://www.articlemap.com

Before you you make your next car insurance premium payment make sure you look at Rob Gormly's fantastic report on how to save 10% to 30% every year on your car insurance premium payment with the information your broker doesn't want to tell you!

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