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Getting Car Insurance For Your Antique Collectors Car
By Elizabeth Newberry
Getting car insurance for your collector’s car is not the same as buying insurance for your everyday car. The insurance for collector’s cars is different than other auto insurance. Every car collector should know a few things about car insurance.
First, your state is going to have specific laws as to how old your car has to be to qualify for car insurance. The age is usually at least fifteen years. Also, in order to qualify for car insurance you must have another car that you use as your regular car, and a garage to park your in.
Collector’s policies are important because of the different types of coverage offered. Traditional car insurance pays the actual cash value of the vehicle. Actual cash value is the cost of replacing the car minus the cost of depreciation. This is a poor choice for car owners, because it does not incorporate the appreciation of a collector’s item.
Another form of traditional car insurance covers the stated value of the car. In this type of coverage, the insurance company pays what the car is stated
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Antique car insurance is a specialty insurance that pays the agreed value of the car. This way the owner will receive the full value of the car as a collector’s item. And, car insurance usually costs less than traditional car insurance. It’s a win-win situation for the car collector! A little education can save the car owner a lot of money and frustration when purchasing car insurance for their collectible.
Please see our recommended insurance provider below for the lowest rate insurance on the internet. They not only offer low rate quotes but allow you to combine insurances for better rates and coverages. Article Source: http://www.article-matrix.com Affordable Car Insurance Home Insurance Car Insurance
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