Here are some things to consider when choosing an insurer for your classic vehicleHow will you be using your antique or classic vehicle?You should get coverage for how you use your vehicle If you are not driving your vehicle daily, why pay for it If your insurance company has experience with classic cars, they probably offer policies for vehicles that are only driven on weekends or are never driven at all The more you drive it, the more the risk and the more you will pay If you get a policy for a vehicle that is supposed to be garaged, you will not be covered if you choose to drive it Make sure that you accurately state how you will using your vehicle so that you will be fully covered but not overchargedHow much is your car worth?Do not assume that your insurance company knows how much your car is worth You might find that you value it much more than they do Obtain a policy where the value of the vehicle is stated in writing Get a written appraisal on your vehicle so there is no question on its valueDoes the insurance company have classic vehicle experience?If possible, choose a company that has experience dealing with classic automobiles Most insurers have no clue and will be unable to match you with the right policy If you are a member of a car club, ask around for recommendations If you cannot get a referral, interview your agent Ask them what kind of policies they have for classic cars If they try to fit you into a basic policy, find another agentAre there any restrictions?Find out in advance if there are any restrictions on the use of the vehicle You must know in advance if you are limited to a certain mileage or if you have to garage it at a certain location Read your policy carefullyDon't just accept the first quote that you receive Do your homework and you will find the auto insurance policy that is right for you and your car
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