Answering A Couple Of Questions About Insuring A Classic Car

Auto insurance is something that no driver can afford to be without, but it is an unfortunate reality that these policies can be extremely complicated. As a result, it is common for some people to be poorly informed about this type of insurance, which can cause them to struggle with making effective choices about this protection. Individuals that are struggling with this might benefit from having the following couple of questions about auto insurance answered.

Can A Standard Auto Insurance Policy Protect A Classic Or Antique Car?

It is common for individuals to want to purchase classic cars as a way to relive their youth or enjoy auto history. However, these vehicles have vastly different insurance needs than standard cars. As a result, you should be aware of the fact that you will not be able to purchase a standard auto liability policy to cover these vehicles. Rather than buying a standard auto insurance policy, you will need to opt for one that specifically covers classic and antique cars. While these policies may be more expensive than standard liability coverage, it can be the only way to ensure that you can meet the insurance requirements to legally drive your classic car on public roads.

How Can You Lower The Cost Of Your Insurance?

Unfortunately, auto insurance policies can be somewhat expensive, and this can be especially true for those with classic or antique cars. Luckily, there are a some ways that you may be able to lower your premium payments. One of the best options for this is to determine if you can classify the car as a show vehicle. With this classification, there will be a limited number of miles that you can drive it a month, and it will need to be presented in an auto show or used for display in order to meet this requirement. Those that are unable to meet this requirement can likely lower their premium by enrolling in defensive driving courses, bundling their policies or taking advantage of specific discounts.

Insuring your classic car will be very different than buying a policy a for a newer car. However, it is common for some people to be unsure about insuring these cars. By making sure that you understand the need to purchase a specialty insurance policy for your classic car as well as the steps you can take to lower your premiums, you will be far better able to make sure that your antique car is as protected as possible. Contact a business, such as Brown & Brown of Prescott, for more information. 

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