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Archive for category vintage car insurance

Classic Auto Insurance Quote Online Louisiana

Jul 18

Posted by admin in vintage car insurance | Comments off

I’m visiting an old uncle here in Louisiana. He got a classic car locked up in a separate garage. It’s very cool and I really want to give it a spin or even buy it from him in the future, but I found out that it’s not insured. I’m trying to convince my uncle to have one. Can you tell me how to get a classic car insurance quote online?

Warren

New Orleans, LA

 

Certainly, Warren.

Classic cars, such as your uncle’s are special vehicles and shouldn’t be insured like a regular one. You need a classic car insurance that recognizes both the value and the unique properties of your car and getting a classic car insurance quote online is very convenient. Just type classic car insurance to your favorite search engine and you will find several companies in Louisiana offering classic car insurance quote online. The sites will give you a step by step detail of how to get the insurance and the quote. Make sure to check the tips section for more information that may be relevant to your situation. Another way to find suggested websites is to ask your friends or even your uncle’s old pals (who has classic cars) about their car insurer.

You have to classify the vehicle first. There are different categories which your car may qualify and this could affect the rates such as: Antique cars, Classic cars, customized rods from pre 1950′s and limited addition imports. It is really important to make sure that you have proper coverage. Check the classic car insurance quote online for an insurer that offers affordable Agreed Value Coverage. Some companies that cover classic cars will also cover modified cars and specialized street rods, hot rod, rat rods or restored custom cars. You also need to look for a classic car insurance quote online with policies that offer lifetime renewals so that you and your uncle won’t find yourselves suddenly without insurance at an inconvenient time.

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Where To Get Classic Auto Insurance Quote In Louisiana

Jun 22

Posted by admin in vintage car insurance | Comments off

Are there easy ways for me to get a classic car insurance quote?

Fred

Baton Rouge, LA

 

Yes. Getting a classic car insurance quote can be done the traditional or modern way. As you probably realize by now, calling and visiting local insurers could take a lot of time and effort. That would entail talking to sales agents and hearing a lot of sales talks. Moreover, limiting yourself to the local insurance providers will likely result to a classic car insurance quote that is not the best there is in the market. That brings us to the second way of getting quotes.

The easier and by far the most convenient way of finding the right car insurance deal for you is the Internet. You simply need to type on the search engine some keywords to get information on where to obtain a classic car insurance quote. Typically, the results would yield links of individual companies ,as well as, those of car insurance brokers. If you want more details from an insurer to go with the quote, the obvious way is to visit that link and get a quote from there using the company’s online calculator. You can open several browsers so that the search would be faster. You will be visiting several companies at the same time. This is the beauty of going online, you can “visit” companies all at the same time.

There is also another way of getting multiple quotes. That is, you can choose to visit brokers’ sites. As you know, brokers are affiliated with several insurers. By submitting only one set of data to the broker, you get several quotes in a matter of seconds. This is more efficient than going to individual company sites. If you only want quotes, do this. However, if you want to know more about the company, you can opt to visit its site after getting an idea of its rates.

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Getting Vintage Car Insurance

Jan 15

Posted by admin in vintage car insurance | Comments off

Can you help me figure out what types of coverage do I need to determine in getting a Vintage car insurance?

Amber

Baton Rouge, LA

Sure Amber.

Once you decide to purchase a Vintage car insurance, try to clarify the types of coverage first from the company that you have chosen. There are some companies that provide an Actual Cash Value (ACV), which is the most typical but this is not a good option for vintage cars because appreciating car values are not recognized. ACV is a method of computing what an insurer will pay after a loss and is defined as replacement cost minus depreciation. Actual cash value, fair market value, and market value are usually synonymous terms. It is often a less costly method of insuring but it is also less preferred because your antique car’s value may increase in time but your policy wouldn’t reflect it.

Another type of physical damage coverage is the Stated Value which obligates the insurer to pay up to the stated amount of vehicle value. But take note that “up to” does not guarantee the vehicle’s full insured value and may have deductible options. However, this is a fairly safe form of insurance because essentially you’ll be covered for the stated value of the vehicle during the entire life of the insurance policy.

Most Vintage car insurance provides Agreed Value coverage, which guarantees the full insured value of the classic car. Therefore, you and the insurer would agree up front on the value of the vehicle and this amount is written on the declarations. Since providers place certain usage restrictions on insured vehicles. This can also be the reason why a vintage car insurance rate is less because this limits the insurer’s risk of loss. If you can live with the usage restrictions, this vintage car insurance policy can actually offer serenity and help you save money.

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Antique Car Insurance Sulphur Louisiana

Sep 28

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What kind of insurance do I need for my antique car?

Ted

Sulphur, LA.

 

Ted,

Newcomers to the collectibles market should be careful to research the best way to insure their vintage vehicles before they hit the road, according to the Insurance Information Institute (I.I.I.).

 

Antique and classic cars, defined as those built 30-plus years ago, have special needs that differ from traditional vehicles. Regular-use cars are on the road every day but antique and classic cars are typically used for limited pleasure driving, car shows and club events.

 

“Whether it’s a 1932 Alfa Romeo or a 1962 Ferrari, antique and classic car owners should purchase auto insurance coverage for their collectible separate and apart from the policy that covers their regular-use vehicle,” said Michael Barry, vice president, Media Relations at the I.I.I. “While regular-use vehicles depreciate in value over the years, many classic cars appreciate in value and have to be insured accordingly.”

 

As with a typical regular-use auto policy, an antique or classic car policy generally includes the following basic coverages: liability (bodily injury and property damage); collision; comprehensive; uninsured and underinsured motorist coverage; and medical payments or personal injury protection. Collision and comprehensive coverage are optional in most states.

 

Great Question

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