Does Your Vehicle Qualify for Collector Vehicle Coverage?

June 1, 2016

If you’re looking into a specialized classic car insurance policy for your vehicle, congratulations! Many owners of antique and classic cars, trucks, motorcycles, hot rods, etc. make the mistake of protecting their vehicles with a standard auto insurance policy — which is a mistake for a number of reasons. Check out this post to learn more.

The tricky thing about getting a classic car insurance policy isn’t finding the right price as much as it finding the right policy (we can give you both, just an FYI). Moreover, you first have to know if you and your vehicle both meet the qualifications. Answer these questions below to find out.

Do you qualify?

That’s right. You have to qualify for a specialized collector insurance policy before your vehicle can. If you have at least 5 years of licensed driving experience, a good driving record with no more than one moving violation or at-fault accident in the past 3 years: You’re one your way. The last thing you need is a regular driving vehicle. As long as your classic car isn’t your everyday mode of transportation, you’re in the clear. Now, let’s talk about the vehicle(s).

Does your vehicle qualify?

As we mentioned earlier, the vehicle you are trying to insure cannot be your everyday vehicle. It also cannot be used for racing, timed events, or Driver’s Education. The vehicle in question must also be kept in an enclosed, locked garage or other appropriate garaging location.

Why is all of this necessary? Because special insurance is for special vehicles. And special vehicles deserve special treatment.

Do you have a phone?

If so, give us a call today at 800-360-2277 to ask any other questions or find out how we can help you and your vehicle prepare for the insuring process.

Getting any kind of insurance can be a hassle, it just depends on how prepared you are for the application process. Here at American Collectors Insurance, we offer classic and antique car insurance policies to collectors who want the best kind of protection for their prized vehicles. Give us a call today to get the ball rolling on and properly protect your collectible vehicle.