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