Classic Car Insurance

Classic cars are glamorous, fun, exciting and usually very expensive to insure. If you have a classic car, then you know that they are also high maintenance and they can be expensive to maintain.

For classic car insurance purposes classic cars are generally put into three categories:

* Classic Cars: These cars should be older than fifteen years. Many people feel that anything prior to 1970 is a classic. (We will leave the arguing up to you!)

* Vintage Cars: These cars have a manufacturing date between 1903 and 1933.

* Veteran Cars: These cars are a gem and their manufacturing dates are anything prior to 1903.

So, which category does your vehicle fall within for classic car insurance purposes?

Whichever category your vehicle falls within, you should look at classic car insurance. Sadly, many of the large insurance companies do not offer any "classic car insurance" and they will treat your vehicle like a vehicle that just rolled off of a car lot.
It is up to you to make sure that your vehicles have the correct classic car insurance. It may require a little searching on your part, but with the aid of the Internet you can find classic car insurance relatively easy.

Here are some things to keep in mind when purchasing classic car insurance.

* The value of classic cars varies. You may feel that your car has a certain value while the insurance company feels that is has another. You should make sure that you agree with the insurance valuation of your vehicle before you sign any contracts.

* Make sure that the value of your classic car is "guaranteed" in the insurance policy. Some car insurance companies have refused to give car owners the full value of their vehicles. If it is not guaranteed in the contract, you may be very angry if your car was damaged beyond repair or stolen.

* Avoid the general insurance companies and search out insurance companies that deal with these special vehicles. The rates are better and the policies are made to fit your needs. You can find them advertising in classic car magazines or by asking another classic car enthusiast.