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The Difference Between Classic Car Insurance and Standard Car Insurance

 

Sometimes owners of most collectible cars get standard auto insurance for their vehicles. Standard auto insurance and classic car insurance have big differences when it comes to premiums, services and benefits. Understanding these differences will help you get the best classic car insurance.

There are several kinds of car insurance policies. You might not get the right estimate for your classic car on actual cash value and stated value policies used by most standard car insurance companies. The values of both policies are based on the vehicle’s age. Newer vehicles are estimated near its current market value while older vehicles, like most collectible cars, are estimated at a much lesser amount. The value also depreciates after some time. This is how standard auto insurance works. The best classic car insurance on the other hand, uses an agreed value policy where both the insurer and owner decide on how much the vehicle is worth.

Contrary to what most people think, the best classic car insurance doesn’t yield high premiums. Classic car insurance is cheaper compared to standard auto insurance. Most insurers consider classic cars low-risk vehicles because owners seldom use their vehicles on the road. You also get great service with classic car insurance because companies which offer this kind of insurance understand your needs as a classic car owner. The best classic car insurance has benefits not available on standard auto insurance.

Classic Auto Insurance offers great service, more benefits and better coverage. Read more about classic car insurance and get a quote today.


About the Author

is Vice President of Classic Automobile Insurance Agency, Inc. Classic Automobile Insurance Agency has been protecting collector, classic and exotics since 1992.

Posted: 4/23/2012 9:00:00 AM with 0 comments


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