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How to Get the Best Deal on Collector Car Insurance

insurance2Collector car owners need to protect their investment. That means insurance is an absolute must.

There’s a difference between collector car insurance and regular use insurance. Collector car insurance usually:

  • Has agreed value coverage, meaning you get a specific dollar amount in the event of a total loss.
  • Specifies vehicle use. Many policies will define mileage and use coverage.
  • Provide restoration coverage, giving you increasing coverage value during the restoration of your vehicle.
  • Offers better claims processing, done by a collector car insurance expert.
  • Give you more flexibility, allowing you to choose the repair shop of your choice.

So how do you get the best rates on classic collector car insurance?

  • Know what you need. Understand the value of your collector car and how it will be used.
  • Do some online research. Gather information from online resources before contacting insurance companies. You can find rate and coverage information and the insurer’s complaint record.
  • Find a knowledgeable agent that can help you choose the right policy and the right carrier.
  • Shop around. Take your time and compare carriers and policies.
  • Ask about discounts. Many times discounts are available but not really promoted. Make sure you ask.
  • Shop your policy price annually. Many times market conditions may force down the price of your coverage. If you are eligible for a lower rate, you probably won’t be given it unless you ask for it. Compare and check your pricing regularly and always ask about discounts.

The proper insurance is a big part of properly caring for your collector car. We hope these tips will help you get the right coverage at the right price for your classic.