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Specialty Car Insurance

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

Specialty car insurance is for collectible automobiles including specialty cars, kit cars, replicars, hot rods, and exotic cars.  One of the big differences is the requirements that most providers of specialty car insurance have. To get insurance, specialty 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 specialty car when not in use.

The coverage on an specialty vehicle is also different. Since specialty 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 specialty 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 is here to help you find the best coverage for your specialty car at affordable rates. Start by simply entering your zip code above for your free specialty car insurance quote!