How To Choose the Best Car Classic Insurance

Introduction

Classic car insurance is meant for vintage cars and other classic cars. There are many things to consider when you define what a classic car is and also what a vintage car is. The car must be at least ten years; the number of years will however depend with the insurance company that you are dealing with. The insurance company will set the minimum value for the classic car. The classic car must not be your primary car but will be used as a second car. So how do you choose the best classic car insurance?

Step 1

Make sure you are at least 21 years old, in most cases younger drivers will pay more premiums than older drivers. Some insurance companies even refuse to insure young drivers who want to take classic car insurance. So in order to get the best deal for your classic car insurance make sure you are at least thirty years and if you are younger than twenty five years you need to have a clear driving record.

Step 2

In order to get the best classic car insurance, you also need to compare car insurance premiums from different classic car insurance providers. The terms, rules and regulations for different insurance companies will differ. An online search is the easiest way of doing this, depending on the country you are in; you will be able to find great deals on the internet. It is however to point out that classic car insurance is not found in many countries. First confirm with your insurance provider or your broker before you start looking.

Step 3

In order to choose the best classic car insurance, make sure you deal with a company that specialises in offering classic car insurance. They are specialists in the area and they will offer extensive cover. Dealing with a specialist classic car insurer will help you get the best deal on the market; you will find that even some risks that are not covered by other insurance companies will be covered by a classic car insurer.

Step 4

To get the best classic car insurance you must not drive your car regularly, there is a certain mileage that the insurance company will set. The general limit per year is usually between 1500 and 6000 miles per year. So the premium will depend on the mileage that you travel, the higher the mileage the higher the premiums and the opposite is also true for lower mileages.

Step 5

You can get the best classic car insurance deal if you get a broker to help you. They know the best insurance companies to insure your classic car. Brokers also know the different classic car insurance products on the market. So it is a good idea to go through a reputable and licensed broker.

Tips

So in order for you to get the best classic car insurance deal, you need to make sure your classic car meets the requirements set by the insurance company. Replacements values for classic cars are usually on the higher side, so you have to be prepared to pay a bit more insurance premiums.

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