A classic automobile is a thing of beauty and should be protected with classic auto insurance. Most insurers will offer you a policy for your classic automobile, but there are also several companies that specialize in insuring classic cars. The choice is yours whether to go with a specialized company or a company that sells many types of automobile insurance.
The best reason to use an insurance company that specializes in classic automobiles is that they will likely be more familiar with your specific needs. In order to get a quote from such a company you will need to give them some basic information.
The first thing you need to do is agree on the value of your classic car. Many insurance companies will ask you to present them with a certificate of appraisal before offering you a quote. It is extremely important that you agree with their decision regarding the worth of your car before moving on to the next step.
After you have reached this agreement the insurer will want your assurance that the vehicle is not your daily driver. They will check the odometer and many companies will deny any claim if you exceed the agreed upon mileage limits. If you are approaching the limits you have negotiated during the term of the policy you must call the insurer and notify them immediately.
Many classic auto insurance companies will also ask to see proof of where you are storing the vehicle. It is in your own best interests to have a secure place for the car not only to prevent theft, but also to lower your insurance premiums.