Having your vehicle insured can often be a frustrating process. More often than not, it?s a pretty expensive one too, especially if you own a prized classic. Unfortunately, it has to be done, but there are a few points to remember that make the process more straightforward and ultimately, cheaper.
Finding Classic Car Insurance
In the vast majority of cases, a classic car will be worth far more than it was when it first went onto the market. For this reason, classic car owners should certainly consider obtaining specialised classic car insurance to ensure their prized possession is suitably covered. Unfortunately, not every insurance broker provides a service that extends to classic car insurance and classic car owners will generally have to turn to specialist companies that deal in insuring vehicles such as vintage cars and classic cars.
In fact, an insurance policy that covers a classic car will have a few special stipulations that can often make insuring this type of car a complex matter. Specialist brokers, however, fully understand the needs of specialised vehicle owners and their policies are generally tailored to suit these ends. Nonetheless, there are several companies out there and some research should be done to ensure you get the best deal.
Comparison Sites
In order to obtain the best classic car insurance online quote, visiting a comparison site will be an essential step. Comparison sites are there to provide consumers with a variety of quotes in very little time. You can check quotes here, examine them a little and decide which one may be the best one for you. You will find there will be various options available and each should be looked into carefully as the cheapest will not always turn out to be the best option.
Limiting Your Classic Car?s Use
Aside from visiting a comparison site, however, there are a few small steps you can take to ensure you get the best deal possible. For example, you will find your total insurance price will be significantly reduced if the car is used on a restricted basis. In fact, you can choose simply to use the vehicle only when travelling to shows and parades or other classic car gatherings. Your policy will then cover the vehicle for these occasions. For this you will generally have to ensure your total yearly mileage is kept under a certain level.
Take Extra Security Measures
Another way you can reduce the cost of your premium is by ensuring the vehicle is kept in as safe an environment as possible. Indeed, the majority of companies will offer a fair discount provided the vehicle is kept securely locked up when it is not being used. In addition, if the vehicle is kept in a lock-up garage, for example, make sure the garage is fitted with extra security locks and remember to let the company know this.
Opting For a Higher Deductible
Finally, opting for a higher deductible will mean you will be paying less for your policy. Of course, this will mean that, should anything happen, you are likely to be eligible for a much lower insurance payout, but in many cases this could turn out to be worth the risk. When researching your policy, select a number of different deductible amounts to ascertain how much your premium would be reduced and whether the risk of receiving a lower payout would be worth it.
Harry Wilson writes regularly on the subject of vehicles and vehicle insurance for a wide range of related websites and blogs. He highly recommends visiting a quality comparison site and to check quotes here to obtain the best Classic Car insurance online deals.
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?Source: http://thebitbot.com/automotive/2012/08/tips-on-getting-the-best-classic-auto-insurance/
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