<b>How will you be using your antique or classic vehicle?</b> <br>
You should get coverage for how you use your vehicle. If you are not driving your vehicle daily, why pay for it. If your insurance company has experience with classic cars, they probably offer policies for vehicles that are only driven on weekends or are never driven at all. The more you drive it, the more the risk and the more you shall pay. If you get a policy for a vehicle that is said to be garaged, you will not be covered if you choose to drive it. Make sure that you accurately state how you will using your vehicle so that you will be fully covered but not overcharged.
<b>How much is your car worth?</b><br>
Do not assume that your insurance company knows how much your car is worth. You might find that you value it much more than they do. Obtain a policy where the value of the vehicle is stated in writing. Get a written appraisal on your vehicle therefore there is no question on its value.<br>
<b>Does the insurance company have classic vehicle experience?</b><br>
If possible, choose a company that has experience dealing with classic automobiles. Most insurers have no clue and will be unable to match you with the policy that is right. If you are a known member of a car club, ask around for recommendations. If you cannot get a referral, interview your agent. Ask them what kind of policies they have for classic cars. Should they try to fit you into a basic policy, find another agent.
<b>Are there any restrictions?</b><br>
Find out in advance if there are any restrictions on the use of the vehicle. You must know in advance at a certain location if you are limited to a certain mileage or if you have to garage it. Read your policy carefully.
Don't just accept the quote that is first you receive. Do your homework and you will find the auto insurance policy that is right for you and your car.