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Protect Your Investment With Collector Car Insurance
Collectible cars can serve as a wondrous treasure, but also as a good investment. As with any investment, an adequate protection in the form of collector car insurance is necessary. Since the repair and replacemnt of a collectible car can be cost prohibitive, a collector car insurance policy will financially save you in the event you fall victim to theft, an accident or damage.
Collector car insurance is a specific and specialized form of insurance that is quite different from your regular vehicle insurance policy. Insurers have specific prerequisites that have to be met before a policy can be written. Three of the major requirements are limits on miles driven per year, age and driving record of the owner and the age of the car. There also is an insistence by the insurance provider that the car is garage kept and well secured when not in use.
In most cases, the insurer will not permit more than 5,000 miles per year, although some companies may offer an excess mileage addendum. A further restriction on mileage driven is that a car can not be used for commercial purposes or for daily commutes, however, a collector car insurance policy does allow the car to be driven to car shows and related activities.
Another restriction on collector car insurance is the age of the car. The majority of companies require the car to be at least 15 years old. A few insurers define a collectible car as being more than 25 years old and in rare circumstances as much as 35 years.
In order to qualify for collector car insurance, a driver must meet certain qualifications as well. The overwhelming numbers of insurers require a minimum age of 25 with at least 9 years of driving experience. Some providers also require a clean driving record.
Once the conditions for the collector car insurance is achieved, you and the agent will set an agreed upon value for the vehicle. In a collector policy, the value of the vehicle is determined by an agreement between you and the insurer, unlike a regular policy which uses fair market value. Whatever amount you and the classic car insurance company agree to is the amount that will be paid to you in the event the car is a total loss due to an accident or theft.
Selecting a well qualified insurance company for your collector car insurance is a necessity to protect your investment. Several companies specialize in the writing of collector car insurance policies, and it is best to choose one of these providers as opposed to selecting any insurance company. You will find it is the best policy for your investment
Where can I get Prices of used cars? Blue book values, without having to buy the book?
1993 GMC PICK UP, what would be a fair price to pay for this truck, ( needs a new starter? ) this is just one example, I have a few others I need to get " Quotes " on, is there a site that won't charge me to know the " Fair Market Value" of a used car?
" Other than Blue book"
http://www.kbb.com/
try puting the information in here - I don't think it'll be exact, but you can ballpark it.
Big search under way in El Dorado County wine country (Sacramento Bee)
An all-out search is being mounted today in El Dorado County wine country for
a Sacramento area couple missing under suspicious circumstances. It is feared
that the couple may have driven off the side of a brush-choked foothill
road....
car blue
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