Cars built and manufactured between 1919 and 1940 receive the classification of vintage. Vintage cars are extremely popular in car shows and are placed on display in car museums all over the world. While these types of cars are commonly used for display purchases and special occasions, they still require the car owner to hold a vintage car insurance policy.
Car insurance companies offer special policies for car owners who have a certified vintage car. However, before you go out shopping for your new policy you might want to prepare yourself for some of the questions your insurance company will ask you when you are trying to get a vintage car covered.
Does Your Car Have a Certified Collector Status or a Certified Vintage Certificate?
In order to receive the special policies for vintage cars, you must be able to show proof that your car is a certified vintage car. Most insurance companies will take accept a certificate of collector status or a certificate authenticating the vintage status of the car as proof.
Do You Have a Primary Car for Transportation?
Vintage car insurance policies are usually only extended to cars that are used for collection purposes. If you plan on driving your vintage car regularly you will not qualify for this type of car insurance.
Many insurance companies to prevent people from taking advantage of the vintage car insurance policy will put mileage limits on the car. This prevents people from using the vintage car as their primary car and still getting the collector’s discount.
Where is Your Vintage Car Kept?
To qualify for vintage insurance, most insurance companies require that you keep the car in the garage. This storage requirement is to ensure that the car is being kept in good condition. Many vintage car owners worry about this requirement because they will occasionally leave the car in the driveway. Occasionally leaving the vintage car unattended or in the driveway for a night, will not usually disqualify you from receiving the special insurance policy. Most insurance companies are looking at where the car will be stored the majority of the time.
When you call your local insurance company, it is a good idea to have the answers to these questions handy. Not only will being prepared help you get vintage car insurance faster, but it will save you the stress and frustration of having to research the answers.