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How to Understand Policy Restrictions


You just brought a brand new classic car, you've done your research on providers, and you're ready to sign an insurance contract. Or are you?

Before you sign that contract, you should make sure you fully understand the agency's policy restrictions. Besides the obvious reasons for reading the fine print, you need to avoid regrets by making sure you agree with and can fully adhere to all policy restrictions.

Here are a few tips to follow before you sign the dotted line:

  • Look into the allowed miles given to you for one term. Some insurance companies may give you options between several mile plans while others only offer one mile plan.  If you are only given one term, make sure you know your allowed miles within that term so you don't unknowingly exceed the limit.

  • Pleasure driving is allowed for most collectible cars, so know your freedoms and restrictions. Some policies allow you to join car shows, parades, and other car club memberships, but only if you follow personal risk management in making sure your car won't incur damages at these events.

  • Always have a back-up plan, because most providers also require you to own a second car for general transportation. Your classic car is a collectible and insurance agencies expect you to treat it with great care.

At Classic Auto Insurance Agency, you can choose from different mile plans: we even offer a 6000 mile plan so you don't have to worry about exceeding any limits! We're also flexible, and allow classic car owners the ability to transfer unused miles to your next term and offer the best roadside assistance program. Get your free hot rod insurance quote online 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: 11/16/2012 9:00:00 AM with 0 comments

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