How to get classic car insurance?

A classic car is a vehicle that is at least 25 years old. These cars are often considered to be collector’s items and can be very valuable. Because of this, it’s important to have the right insurance in place in case something happens to your classic car.

Classic car insurance is different from regular car insurance in a few ways. For one, classic car insurance companies often require that you have a higher level of coverage than what is typically required for a regular vehicle. Additionally, classic car insurance rates are usually higher than regular rates due to the increased value of the vehicle.

There are a few things you need to do in order to get classic car insurance. First, you need to shop around and compare rates from different insurers. It’s also important to consider a usage-based policy, as this can help you save money on your premium. Finally, joining a classic car club can sometimes help you get a discount on your insurance.

There are also a few tips you can follow to save money on classic car insurance. One tip is to keep your car in good condition by regularly maintaining it and keeping it clean. You should also store your car in a safe location, such as a garage, when it’s not being driven. Finally, driving carefully will help you avoid any accidents or tickets that could cause your rates to go up.

If you have any questions about classic car insurance, here are some answers to

Why You Need Classic Car Insurance?

What is a classic car?

A classic car is an older automobile; the exact definition varies around the world. In the United States, a classic car is typically any passenger vehicle at least 20 years old. In Europe, classic cars are over 30 years old. Classic cars can be of any make or model and are often prized for their uniqueness, design, and heritage.

Because classic cars are unique and often valuable, they require specialized insurance coverage. Regular auto insurance policies generally don’t provide enough coverage for classic cars, so you’ll need to purchase a separate policy if you want to insure your classic car properly.

How is classic car insurance different from regular car insurance?

Classic car insurance typically provides more comprehensive coverage than a regular auto insurance policy. This is because classics are often used less frequently than newer vehicles and may be stored for long periods of time (i.e., not driven at all during the winter). As such, they’re at a higher risk for things like theft, vandalism, and weather damage.

Classic car insurance also usually comes with higher liability limits than regular auto insurance. This is because classics are often worth more money than newer vehicles, so there’s a greater risk of financial loss if you’re involved in an accident with one.

How to Get Classic Car Insurance?

Shop around for the right insurer

The first step to finding the best classic car insurance for you is to shop around and compare rates from different insurers. When you’re comparing rates, be sure to ask about any discounts that may apply, such as a multi-policy discount if you have other insurance policies with the same company.

It’s also important to find an insurer that specializes in classic car insurance, as they will be more familiar with the unique coverage needs of these vehicles. A good place to start your search is by asking family and friends for recommendations, or looking for online reviews of classic car insurers.

Once you’ve found a few potential insurers, be sure to get quotes from each one so you can compare their rates. When getting a quote, be sure to provide accurate information about your vehicle, including its make, model, year, and value.

Consider a usage-based insurance policy

Another option to consider when insuring your classic car is a usage-based insurance policy. This type of policy charges you based on how much you actually drive your vehicle, rather than charging a set premium regardless of mileage. This can be a good option if you don’t drive your classic car very often and want to save money on your premium.

To get a usage-based insurance policy, you’ll typically need to install a telematics device in your vehicle so the insurer can track your driving habits. Once the device has been installed, the insurer will use the data it collects to calculate your premium based on factors such as how far you drive and what time of day you typically drive.

Join a classic car club

Another way to save on classic car insurance is to join a classic car club. Many insurers offer discounts to members of these clubs, so it’s worth checking with your prospective insurers to see if this discount applies. In addition to saving money on your premium, joining a classic car club also gives you access to resources and events related to classic cars which can make owning one even more enjoyable.

Tips for Saving on Classic Car Insurance

Keep your car in good condition

One of the best ways to keep your classic car insurance rates down is to simply take good care of your vehicle. This means regular tune-ups, oil changes, and keeping up with any necessary repairs. By taking preventative measures and keeping your car in top condition, you’ll not only prolong its life but also save money on potential repairs down the road.

Store your car in a safe location

Another way to save on classic car insurance is to be mindful of where you store your vehicle. If you have a garage or other secure storage space for your car, be sure to let your insurer know as this can often result in a discount on your premium. Similarly, if you live in an area with little crime or traffic, this can also lead to lower rates.

Drive carefully

Of course, one of the best ways to keep your classic car insurance rates down is to simply drive carefully and avoid accidents or traffic violations. If you have a clean driving record, be sure to let your insurer know as this will likely result in a discount on your premium.

Classic Car Insurance FAQs

What age does a car qualify for classic insurance?

To qualify for classic car insurance, your vehicle must be at least 20 years old but no more than 25 years old. It also must have a low mileage of 7,500 miles or less per year and be used for limited pleasure driving, exhibitions, club activities, and similar uses as approved by the insurer. In addition, the vehicle must be stored in a garage when not in use and have safety features such as seat belts and anti-lock brakes.

Is insuring a classic car expensive?

No, insuring a classic car is generally less expensive than insuring a newer model because they are driven fewer miles and are used primarily for pleasure driving rather than commuting or running errands. In addition, most insurers offer discounts to policyholders who take measures to reduce the risk of accidents or theft, such as storing the vehicle in a garage or installing an alarm system.

How many miles can you drive with classic car insurance?

Most insurers place limits on the number of miles you can drive each year with classic car insurance, typically between 7500 and 3000 miles per year. If you exceed this limit, you may be required to purchase additional coverage or your policy may be cancelled altogether. Be sure to check with your insurer before purchasing a policy to see if there are any mileage restrictions.

Is a 25 year old car considered a classic?

Yes, if it meets the other criteria set forth by insurers, such as being used for limited pleasure driving and having low mileage (usually 7500 miles or less per year).

Best classic car insurance companies in the USA

There are a number of great classic car insurance companies in the USA, so it’s important to shop around and compare policies before you decide on one.

It is always a good idea to do some research before you buy anything. That’s why we have compiled this list of the best classic car insurance companies in the USA.

The first company on our list is Grundy Insurance. They offer classic car insurance in all 50 states and specialize in antique and vintage cars, as well as classic cars. Their rates are very affordable and they offer a variety of coverage options.

American Modern Insurance (Geico) is an insurance company that offers auto and home insurance. It’s one of the largest car insurers in the United States, with a market share of just over 6 percent. They offer a variety of options to fit your needs and they’re dedicated to providing excellent service at a good price.

Hagerty Insurance is another great company that offers classic car insurance for people who have collector vehicles or are looking for vintage car insurance quotes. They only offer coverage in 27 states but they cover more than just cars – they also insure motorcycles, boats, planes and even trains!

Another company that provides insurance for classic cars is The General. They offer a variety of coverage options, as well as reasonable rates. They cover both new and pre-owned classic cars and we’re available in all 50 states so you won’t have to worry about which state you live in.

Farmers Insurance has been around since the 1800s and they offer great car insurance rates for classic cars. They also offer many other types of coverage such as home, life, pet and motorcycle insurance.

Laurel offers affordable classic car insurance for pre-owned vehicles and new creations alike. The company offers a variety of policies which can be tailored to your needs, including options for extended warranties and protection plans during a restoration process. .Just about anyone can get a policy from the company for just $6, so whether you’re a newbie or seasoned collector, it’s easy to find the right insurance options with this company.

JC Taylor Antique Auto Insurance: JC Taylor is another great choice for those looking for classic car insurance in the USA. They offer a wide range of coverage options, including agreed value coverage, roadside assistance, trip interruption coverage, and more. They also have an excellent reputation among classic car enthusiasts for their knowledge and customer service.

American Collectors Insurance: American Collectors is another excellent choice for those looking for classic car insurance in the USA. They offer a wide range of coverage options, including agreed value coverage, roadside assistance, trip interruption coverage, and more. They’re also known for their great customer service and claims handling process.

Best classic car insurance companies in the UK

There are a number of classic car insurance companies in the UK that can offer you cover for your vehicle. Here are some of the best:

–Hagerty

–Footman James

–Adrian Flux

–ClassicLine Insurance

–Heritage Classic Car Insurance

–Covea Insurance

–Ecclesiastical Insurance

When looking for classic car insurance in the UK, it is important to shop around and compare different insurers. Make sure you understand the cover they offer and what is included in the policy. It is also a good idea to get quotes from several different companies before making a decision.

Conclusion

There are a few things you need to keep in mind when shopping for classic car insurance. First, classic car insurance is different from regular car insurance, so make sure you shop around for the right insurer. Secondly, consider a usage-based insurance policy to save on costs. Finally, drive carefully and store your car in a safe location to get the best rates.

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