Nowadays, many insurance companies will provide you with a quote instantaneously through their websites.  You’ll usually be asked to input a range of information in order to receive an accurate quote.  You’ll first need to input basic data including your date of birth and location, which may include both the place where the classic car is garaged, and the city, county and state in which it’s registered.

After this, you will probably be asked to enter pertinent information about the car itself.  This almost always includes the make, model and year.  The type of vehicle (car, truck, motorcycle, etc.) may also be required.  Most companies specializing in classic car insurance use an agreed-value system, in which cases you will have to input the value of the automobile, as well as whether it is stock, modified, a replica or otherwise.  Many insurers will, with some restrictions, offer some choice as to what sort of deductible you want.  Some will ask for additional information, possibly including the kind of garage in which the car is kept, annual mileage, and so on.

After this, you will receive your quote.  For example, on July 21, 2009, a hypothetical modified 1969 Chevrolet Camaro worth $75,000 registered in Bowling Green, Kentucky was given the following quotes from classic car insurance companies: from Hagerty, $1,190.71; from Grundy, $530.34; from American Collectors, $1,789.52.  Of course, these quotes contain much more detail than just the annual fees themselves and are based on a number of variables.  They usually explain liability information, and many give you the opportunity to look at a detailed summary of the items that help make up the total price.  Additionally, many providers will let you register and save your quote for posterity in the hope that you’ll come back later and officially apply for insurance.

It generally takes no more than a couple of minutes to obtain a quote online, regardless of the uniqueness of your car.  For vintage vehicle owners, it’s certainly worthwhile to take this time to compare quotes and find out where the best value is. Get an online car insurance quotation.

With regards to insurance and traffic laws, some US states have their own particular laws regarding what is treated as a “classic car.”  Popular examples of classic cars include: the original Mini; the original Volkswagen Beetle; and certain 1960s-and-1970s-built muscle cars.

Classic cars usually don’t have modern safety features, and are thus easily damaged and most likely expensive to insure.  They do not have things like seatbelts, crumple zones, airbags, or any type of rollover protection, as these devices were  mostly invented in the time after the generally accepted “classic” period.  Even though it’s usually thought to be prohibitive, classic car ins is a must, even for those who do not plan on using them on public roadways, because, among other reasons, maintenance and repairs can be very expensive, meaning that any serious owner should think about having insurance and get several free classic car insurance quotes

When looking at classic car insurance, it’s important to consider many factors.  Chief among these is the valuation of the car.  Policies can be offered based around the actual cash value of the car, meaning that a book value with depreciation is paid out by the insurer in the event of a claim; then there is the “stated value” policy, which may also depreciate, but is based on the owner’s stated value of the car; and agreed value, which might not necessarily depreciate, and depends on a consensus between owner and insurer.

Other factors to consider include: whether or not the policy liability covers public events; coverage for possible damage at events and classic car shows; coverage for damages which happen during restoration; and moveable premiums taking into account mileage, which naturally can vary greatly for classic cars on a year-to-year basis.

Many classic car owners assume that specialist-provided insurance can’t help but be especially costly, but this isn’t always true.  Insurers that specialize in classic cars are sure to know about the aforementioned issues, and therefore, ultimately, classic car owners can actually save a large amount of money, and get a much more comprehensive policy, from a provider that understands classic car insurance.