Every car that you drive needs to be insured.
In fact, it is a mandatory law in The United States that you need insurance in order to drive a car.
Even if that car sits in your garage 364 days of the year.
If you own a classic car, you are probably going to want to get classic auto insurance.
Dealing with a standard insurance company to insure your classic muscle car, can be extremely expensive.
But there are many companies that specialize in classic auto insurance.
These companies know that you have different needs as opposed to typical drivers.
Here are a couple of things that classic auto insurance companies can do for you.
One thing that separates classic car insurance from regular insurance is the value of the car.
Insurance companies can usually determine the value of a car by using things like Kelly blue book.
It is fairly easy to determine the value of a modern day car.
Classic cars, however, are a completely different story.
The first thing that you are going to want to do when you get classic auto insurance, is determine on an agreed value of the car.
Most agents for these classic companies are auto experts and can walk through your car with you.
You will talk about the original pieces, any body work that has been done, and any restoration that may have occurred.
Agreeing on the value of the car is very important when getting your insurance rate.
Another thing that you will talk about that will determine your insurance rate, is how often you drive your car.
Many people do not use these classic muscle cars on a daily basis.
You may only take it out once a year.
Many classic car policies will have a mileage limit on how much you can drive a month, or a year.