Car Insurance – Do You Have the Right Type for Your Classic Car?

Before You Take That First Summer Cruise

Now that the nice weather is finally coming our way, you may be anxious to remove the cover and take that first summer cruise in your pride and joy.  Hold tight momentarily to consider one very important thought before you do - - your car insurance.

All too often, those belonging to the classic car community don’t have their passion and years of devotion to this unique sport properly protected.  In fact, it’s common for classic car owners to believe that a standard car insurance policy will do the trick.  However, the reality is that many classic car owners may be overpaying for coverage that isn’t appropriate for their needs if they have a standard car insurance policy.

Your Classic Car Is Different, Your Car Insurance Should Be Too

When you consider how different a classic car is to a standard, every day car, you must consider that your car insurance should be different as well.  You should have a car insurance policy specific to classic cars.  You’ ve put years of work and money into your classic car.  You’ve included things like customized and specialty paint jobs, reupholstering done by specialists, and difficult-to-find parts and accessories.  The list is can be long and the cost can really add up.

You know more about your classic car than anyone else.  You should also know that a standard car insurance policy isn’t the right fit for your classic car.  You don’t want to find out when it’s too late that you are restricted from going to a specialist for repair in the event you should need it or that your car has been undervalued and is underinsured because your classic car is covered under a standard car insurance policy.  It may seem convenient in the beginning to have only one bill because you have each of your cars under one policy.  However, if you experience a loss, the recovery may be everything but convenient.

Consider a Classic Car Insurance Policy

Although these are just a few things to mention, we hope you will consider talking to an experienced, reputable insurance professional about getting the right type of car insurance for your classic car before you take that first summer cruise.   It’s one of the most important things you own.  Don’t leave it to chance. 

Contact V.F. McNeil Insurance for more information about this blog or to speak with an insurance professional about car insurance specific to classic cars.