Nothing turns heads quite like a well-restored classic car. Sometimes, all it takes is an eye-full of a candy-colored fin or a Dagmar light to convert a person to a lifetime of collecting these life-sized Hot Wheels. With all the time and money poured into this hobby, it only makes sense to find the right insurance policy for these antiques. Because vintage cars are so eye-catching, you will unfortunately need to insure them against theft and vandalism, as well as accidents. There are many insurance providers with special coverage plans aimed at classic cars, but if you have something truly special, you might have a hard time finding coverage. Keep shopping around; if you ask around at car shows, someone is bound to be able to point you in the right direction sooner or later. However, make sure you sign on with a reputable company, as you don't want to find yourself a victim of fraud when it comes time to call in a claim. You should take a little time to assess just the type of insurance you need for your driving habits: the amount of coverage you choose will vary based on whether you take your car out hot-rodding on the weekends, or whether you only drive to car shows and in parades. Maybe the thing is just a heap in your garage! If either of the latter two scenarios are the case, you might be able to get by with comprehensive insurance. This way you will be covered in case of theft, vandalism, or natural disaster, but you won't have to pay extra for bodily injury and property damage. If you need additional coverage you can get that, too. Some policies will even make provisions to protect your workshop and tools. While the personal service you will get from a small insurance company is hard to beat, remember how much of your money is tied up in your car. If the place doesn't have an impeccable reputation for reliability, take your business elsewhere.
Most of the major insurance companies carry policies for antique and classic cars, and you can save yourself the legwork by searching them online first. This way you can get a quote, read all about the coverage, and read consumer reviews before you decide on anything. Likewise, a major insurance provider might not give you the personal service you're looking for and you may end up paying a higher premium. What you choose will simply depend on what you're looking for and what is available in your area. You might even find that your regular auto insurance provider will make a provision for your hobby cars. The task of locating the right policy for your classic car seems like a hassle, but when you think about the time, love, and money you put into rebuilding it, protecting your investment just makes sense.
After all, it's better to tolerate a small inconvenience upfront than to find yourself without a safety net in the event of an accident.
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