| Anyone who owns a vintage vehicle or a | | | | vehicles out for special events like auto shows or |
| collection of enduringly stylish classic cars knows | | | | parades, but there are some drivers who enjoy |
| that a standard automobile insurance policy can't | | | | taking the occasional drive outside of the umbrella |
| adequately cover the specific needs of someone | | | | that these events provide. With an insurance |
| who drives a classic vehicle. A classic car owner is | | | | policy that supports flexible usage, a driver can |
| more likely than a standard driver to make a | | | | pay only for the coverage that he or she needs |
| claim for repainting after a tiny scratch, for | | | | to cover his or her classic car driving habits. This |
| example; whereas a typical driver will be much | | | | means that a driver who enjoys a leisurely |
| more likely to get into a highway pile-up than a | | | | weekend afternoon of driving through town in his |
| classic car owner. The habits and requirements of | | | | or her car will be able to do so without risking the |
| the drivers who spends time behind the wheel of | | | | investment that the car represents, but also that |
| a classic 1950s Ford are obviously quite different | | | | a driver who only starts the engine during a |
| from those of a driver who gets around in a used | | | | special event will not have to pay extra money |
| 1997 Taurus; so it makes plenty of sense that | | | | for open road privileges that he or she won't use. |
| insurance companies would create policies | | | | In addition to what is and is not covered, there |
| specifically for drivers who own vintage cars. | | | | are many conveniences that a classic car owner |
| One of the most useful facets of many classic | | | | can enjoy by having classic car insurance instead |
| car insurance policies has to do with the idea of | | | | of a standard auto policy. For one thing, having |
| flexible usage. This unique idea allows drivers to | | | | the agent who is responsible for the policy be |
| attain full coverage at a variable rate depending | | | | knowledgeable about and sensitive to the needs |
| on how often they drive their car and in what | | | | of classic car owners can save quite a bit of |
| situations. Most drivers with antique automobiles | | | | hassle and phone time. Vintage car collectors are |
| drive their vehicles over less than one thousand | | | | understandably very selective about where they |
| miles each year, but some collectors drive up to | | | | get their cars repaired, and often will be unwilling |
| five thousand miles a year in their prized cars. | | | | to let anyone but their personally trusted |
| Some drivers are extremely careful about | | | | mechanic look at their car. The reasons for this |
| distance because of its potential wear and tear on | | | | fact will be obvious to an agent who understands |
| the vehicle, but just as many classic car | | | | the needs and desires of people who own classic |
| enthusiasts are more concerned about what kind | | | | cars, but for an agent who is not experienced |
| of situation they are driving in than how far they | | | | with these kinds of customers it can be a difficult |
| are driving. | | | | fact to swallow. |
| Many vintage car owners only take their precious | | | | |