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classic car insurance modesto ca.


Classic cars are not like your conventional vehicles as they are known to appreciate in values as the years roll by. The historical interest, astounding designs and unmatched craftsmanship associated with these classic cars make it paramount for owners to safeguard them from time to time. Also, they deserve unique insurance that is different from the standard auto insurance.

However, while you are trying to figure out how you can buy affordable classic car insurance, it is possible for you to encounter certain difficulties. Do not get worked up over this challenge as all sets of information that you need are here.


What are the Criteria for Eligibility for Classic Car Insurance?

Perhaps the determination of the eligibility for classic car insurance is the most confusing aspect of buying coverage for these special cars. There is no specific standard for determining eligibility. So, it is recommended that you take your time to read through the eligibility criteria for most companies and ask questions about any confusing terms.

For many insurance companies, eligibility criteria include:

  • Age of the car – Apart from having historical interest, the car must be at least 30 years old. Some companies can allow a car of 15 years or older to be eligible for classic car insurance.

  • The condition of the car – Whether the classic car is preserved, restored or maintained, it is must be in good condition.

  • Storage of the car – It must be kept in a safe, enclosed place

  • Use of the car – It must have limited use, i.e., only used once in a while over a short distance


How Much Does Classic Car Insurance Cost?

The cost of the best classic car insurance differs greatly. Nevertheless, it is usually cheaper than standard auto insurance because classic cars are normally driven less frequently than conventional cars. The lower frequency of use ensures that they are at lower risk of accidents or thefts.


How to Reduce the Cost of Classic Car Insurance

If you are looking for ways to enjoy the best classic car insurance that does not cost you an arm and a leg, here are a few things you can do:

  • Ensure that you have one or more conventional cars that can be used for commuting daily

  • Always keep your classic cars in a safe, enclosed storage facility

  • Do not get a classic car if you are less than 25 years old

  • Ensure that your annual mileage is lower than 5,000 miles

  • Keep clean driving records

  • If you are only going to keep the classic car in a garage without driving it, buy a comprehensive-only policy and avoid others

  • Bundle multiple insurance policies from the same insurance company to get discounts on your affordable classic car insurance

  • Install security devices for the improvement of the safety of your car

As earlier stated, various insurance companies provide classic car insurance. Therefore, do not rush into buying insurance from any company, get several quotes from different companies and choose the one that offers you the best classic car insurance.

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