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Why Auto Insurance for Classic Cars Is So Cheap?

Many vintage and classic cars are expensive. Mainly, because they are no longer produced and finding them on sale is pretty rare. Finding spare parts for them is also problematic. You can easily imagine that car insurance for classic cars is also expensive. But you may be surprise to find out that in fact, it is quite cheap. Check the reasons for that and get free auto insurance quotes online from our website.

# antiqueThe main reason for low prices is that classic car owners take excellent care of their vehicles. Usually, they drive their vintage rides less frequently, store them in garages when not in use, and they tend to not drive them at all during bad weather (some wrap them up tight all winter long). And when owners do take their classic cars out on the open road, they tend to drive defensively and strictly obey traffic laws. Classic cars are not everyday cars used to commute to work and run errands. Auto insurance companies know these tendencies and often offer lower rates for classic car insurance. If you have a classic car, you should ask about available discounts, like low mileage and other advantages offered to classic car owner.

Many auto insurance companies actually offer special rates for antiques and classics, but you often have to specifically ask for these rates from your carrier. To qualify for a special rate, you’ll have to meet certain requirements. These are the usual requirements:

  • The vehicle must be used on a “very limited basis, such as exhibitions, club activities, and parades or similar events.”
  • “You need to have restored, maintained, or preserved your antique or classic car.”
  • Some carriers have mileage limits, some do not.

Carefully check all usage limitations before signing the contract.

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