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Owning an antique car can be the highlight of your collection. However, protecting your investment and preserving the value of your antique car should be of the utmost importance. As the cost of replacement parts would be too expensive in the event of a mishap, an antique car insurance policy can protect your investment.

Any automobile aficionado who wishes to preserve their collection from unforeseen circumsatnces will invest in an antique car insurance. Regardless of your reasons for owning a vehicular masterpiece from past eras, you should be sure to protect your investment with an antique car insurance policy designed for you.

An insurance company determines their own classification of antique vehicles, and will have certain requirements you must meet before they will underwrite an antique car insurance policy for your vehicle. The primary test to determine whether a car is classified as an antique, is the age of the vehicle. While cars 25 to 50 years are usually termed ‘classic’, it is cars over 50 that generally fit into the ‘Antique’ category. It is possible that your state has age regulations that differ from your insurance company, in that case your state rules override the insurance company.

Many different factors will decide the antique car insurance premium you pay, including is the car garage-kept, how many miles you drive the vehicle and your primary use of the car. Many insurers have limits on the mileage you may accumulate in each year, this reduces the chance of an accident. Using the car for pleasure will result in a higher premium than if you only use the car to display in antique and classic car shows.

You should be aware that not every insurance provider is able to underwrite your policy, however, plenty of companies are available that specialize in writing antique car insurance. Finding a quality insurance provider is quiet easy. You may want to refer to a car collectors club for recommendations on choosing a respectable insurance provider. In addition, you may find several online sites that specifically deal in antique car insurance. It is wise to thoroughly investigate these websites to determine a company suitable to meet your needs.

With collector car insurance, you will be protecting your assets and preserving a part of automobile history. In case of an unfortunate incident, with the right coverage, you will be able to maintain and restore your car to preserve its intrinsic beauty.

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