6 Questions to Ask Before Applying for Classic Car Insurance

In a survey of 1784 motorists done by Classic Car Insurance specialist Adrian Flux, only 5.5% of drivers stated they would be willing to try a self driving car, leaving the maybe’s at 24.2% but the no’s at an outstanding 70.3%. So yes, autonomous cars are a reality, but not one that many are willing to buy into. That’s why it’s still important to apply for classic car insurance, especially for your classic beauties that rival the robots on the street.

1. How much coverage will be warranted for my classic car?

Both you and your agent will discuss the value of your vehicle to determine the best amount to insure it for. We will then discuss how much you are willing to pay for. Neither want to be gipped, so clear communication is key to preventing problems. Sitting down to decide on the right claim will help.

2. How old and what type of cars are included under the classic category?

There are different types of insurance for almost every car out there. The worst thing that can happen is feeling like you’ve found the right classic car insurance carrier and realizing your vehicle doesn’t fall under their specific classic car policy. Beforehand, make sure you check in to ensure your car will be qualified, or else it’s back to the drawing board of carriers for you!

3. Are insurance services able to be combined with that of my home or daily cars?

If you already pay for multiple different types of insurance, adding another policy may be a bit out of your comfort zone. However, if your agent can combine a classic car insurance policy with a pre-existing one, you’re sure to feel much more at ease.

4. Will I be able to cancel if necessary?

No one likes being locked into anything, especially paying for insurance. You want to make sure you aren’t stuck forever paying if you don’t like your service, and you also want to make sure the company has lasting policies that wont run out on you.

5. Where can I drive my car and how many miles?

Many classic cars have a mileage limit under certain policies, and can only be driven on specific dates or to car shows. Check with the agency to make sure you won’t violate the limits. In addition, ask if they have a variety of mileages to insure, such as regular or restricted use.

6. Does the agency offer safe driver discounts or deductibles?

Since we were kids, we were told to buckle up and shoulder check to prevent accidents, so wouldn’t it be nice if your application of safe driving paid off? Some classic car insurance carriers reward you for your care of a classic car or your driving abilities, so make sure to check first before paying.

Looking for the right questions to ask before applying? We at Lifelong Insurance Agency know just what you need, feel free to call anytime (469) 606 4590