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Antique Car Insurance

If you have an antique car then chances are you are an automobile lover. Doesn’t it make sense to purchase antique car insurance that will protect the car that you have invested in and love? Antique car insurance differs from standard car insurance, and it’s important to know these differences.

One of the big differences is the requirements that most providers of antique car insurance have. To get insurance, antique car owners generally must have a good driving record and have been driving for at least ten years. They also must have another vehicle that they use for everyday driving purposes. In addition, there must be a garage to store the antique car in when not in use.

There are also age requirements for the car. This can differ by insurance company, but generally cars younger than 15 years old cannot qualify for antique car insurance.

The coverage on an antique vehicle is also different. Since antique cars are generally considered collectable, they do not depreciate like regular cars. Therefore, they are covered for what is called the “agreed value” of the car. The insurance company states in writing on the policy the exact value of the car, and that is what will be paid in case of a total loss.

Finally, the premiums for antique car insurance are often lower than standard car insurance. This is because there is usage limitations put on cars with this insurance. They are not to be driven for every day use.AutoCarInsurance.org offers free car insurance quotes for many policy categories including Gap Insurance, Female Car Insurance, High Risk Auto Insurance, Low Cost Auto Insurance, Military Car Insurance, No Fault Insurance, Senior Car Insurance, Student Car Insurance, Teenage Car Insurance, Bad Driver Car Insurance, Basic Auto Insurance, DUI Car Insurance, First Time Driver Insurance, Non-Owner Car Insurance, Standard Car Insurance, PIP Car Insurance, SR22 Insurance, Umbrella Insurance and more.

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