In a generalized view, antique automobile insurance is for those vehicles that are 25 years or older. Of course, this comes with some conditions that make it specialty insurance. There is a distinct difference between regular automobile insurance and Antique automobile insurance.
A major difference in the insurances is the driving aspect. Antique vehicles are really not driven except for maintenance purposes. Regular vehicle insurance is designed for those vehicles that will be driven daily. Example: to and from work, family trips, etc. The highest mileage insurance company usually only goes to around 6 thousand mile a year. A true antique car will see somewhere between 500 1500 miles a year. This is only due to maintenance and road shows. It is known antique car owners put a lot of money and care into their vehicles. It is only necessary that coverage is designed to go along with that need.
Requirements of Antique Auto Insurance
Most requirements will stay in the same range. After all, we are talking about a car that is a prized possession. Below are some typical requirements you will find while shopping for antique automobile insurance.
1. The automobile will have to be a restoration, original, or in the process of being restored when coverage is allotted.
2. Certain mileage requirement a year, typically ranging from 1 thousand to 6 thousand miles a year.
3. Must meet the requirement of 25 years or older.
4. Owner must posses a “daily” vehicle that does not include the antique vehicle.
5. The antique automobile must be under lock and key when not in use.
If you notice, antique automobile insurance does come with strict guidelines. These guidelines were put in place so there would be no such abuse for coverage. If you are an antique car owner who enjoys riding in your car daily or more than 6k miles a year, some insurance carriers allow for such use as long as the car has additional insurance coverage. For most people this would be too expensive and not plausible.
Where Can I Find it?
As with all insurance offerings, there are many places to search for when online. The best thing to do is shop around to find the best policy to fit your needs. Keep in mind, the cheapest does not always mean the worst and the most expensive does not always mean the best. It is important to choose an insurance company that will be able to handle your claim if you are involved in an accident; the car is stolen, or even vandalized. It is a shame that these things happen, however, they do, and you need to make sure your hard work and effort will not be fruitless if there were to be a problem. Insurance is designed for an owner to have a sound mind in case these incidents do happen. To cover yourself further, you may want to consider getting a professional appraisal. This in itself will save many hassles on the value of your car. The more steps you take now to protect yourself, the better it will pay off in the end if you had to make a claim.
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