What Should I Know about Insurance for My Historic Auto?

It's a fact that over half of American owners of historic cars take out auto insurance with a standard insurance company rather than getting historic car insurance from a firm which specializes in this type of insurance. Unfortunately, doing so will neither guarantee the most competitive premiums, nor the best service.

Your needs as the owner of an historic auto will differ markedly from that of an owner of a standard modern car commonly used for the owner's basic transport needs. Your historic car is a valuable antique and, as such, it deserves historic auto insurance coverage, which is geared towards its unique requirements.

Request a free quote for historic car insurance here to get started!

Before choosing historic auto insurance ask these questions

Here are a few questions you should ask yourself before deciding on a historic auto insurance policy: What do I use the car for? Do I need extra coverage for when I take it to rallies and exhibitions? How many miles do I drive the car each year? What would happen if the car was totaled, and how much would I get back?

All insurance companies, regardless of whether they specialize in historic auto insurance or not, will tend to assume that you do not use your car for the everyday commute, and most will specify as a condition of your policy that you should only use the car for leisure purposes. Remember – your historic car is valuable. As such, it is a high risk to your insurance company. The old axiom holds true: time on the road=a higher potential of collision. To make sure you get competitive insurance quotes you will need to limit how much you drive your historic car. Most car insurance companies require the car be driven no more than 2500 miles a year.

Also remember to get a number of historic auto quotes from companies which specialize in such coverage. You can quickly and easily do that by requesting a free quote for historic auto insurance here.