Best ways to find cheap auto insurance companies
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by: JessieJ
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According to the CCCA, to qualify as a classic a vehicle must be between 20 years and 45 years old; while any automobile older than that is an antique. Not every car that falls within this time period can be called classic, there are distinguishing characteristics. Usually the vehicle was one that was expensive for its time with fine features. Whether or not you belong to the CCCA, you do need auto insurance on your car. Not every car insurance company offers policies for classic cars so you may need to shop around.
There are qualifications that many insurers require before they will grant classic car insurance policies. For example, some stipulate that the policy holder must be over 25 years of age. In most cases the car cannot be used for everyday driving and must be kept in a covered storage area such as a garage. Your driving record may also be scrutinized. For most, their classic auto is used for show purposes and the occasional jaunt. Insurance is important to have because a classic vehicle can be an investment and is something you definitely want to protect.
While collector cars fall into a more broader spectrum than the antique cars. Collector cars can be classics, antique or even newer cars with special and unique features, such as foreign (rare) cars or modified cars. There are really different type of vehicles that can be classified as collector cars, and your insurance can really help you identify if your car falls within the collector category of cars. Just as with antique cars, insurance companies may have restrictions on mileage for collector cars and kept in covered safe facility. Depending on the companies policies, both antique and collector cars may have Agreed Value insurance policy features, which pays you the full value of the policy if the car is destroyed or badly damaged.
The Internet can be a great help when it comes to learning more about classic cars and classic car insurance. You can visit the websites of different insurance companies, many of which specialize in this type of policy. Often the information you need is right on the website so you know the qualifications you must meet. If you do meet the qualifications, you can often obtain a free instant quote right on the Internet. While this is only a quote, it can give you a good estimate of how much your policy may cost. Comparing quotes from different insurance companies can also help you save money.
It is possible to do everything you need to insure your collector or antique car on the Internet. However if you need to speak to an agent they should be available via a toll-free customer service number. Some people prefer dealing with their insurance agent face to face. If you are one of those people check your local Yellow Pages to see the various auto insurance companies in your area, call them and ask if they do indeed offer policies for vehicles that are collectibles or antiques.
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You might also be interested to read old car insurance guides as well as informations on car insurance to get more information's on car insurance and how to pick the cheapest one.
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