American Auto Insurance

Your classic car insurance can actually cost less to purchase than standard insurance.  Does that surprise you?  It’s can be cheaper because auto insurance statistics show there is a much less risk.  The risk is reduced for several reasons and the insurance companies are quick to pass those savings on to policy holders. 

For your car to qualify for classic car insurance you must drive it no more than 5000 miles a year.  It can be used for pleasure and to go to and from car shows. 

It cannot be used for work, to go to and from work, or for business or artisan trades.  If your collectable car meets these requirements you may qualify for classic car insurance.

Insuring a classic car under a standard insurance policy could result in problems should you have a claim.  Many insurance companies that deal with standard policies also carry policies for classic cars.  Be sure you purchase the correct insurance for the type of car you have.

You’ve put a lifetime of blood, sweat, and tears into restoring your classic car.  It’s a work of art and your pride and joy.  You would be devastated if something happened to it.  But what would even be worse is if it was insured incorrectly and you were not compensated properly for your classic car.  So take time to ask questions and make certain the coverage you choose is correct for your classic car. 

If you and your classic car meet the requirements of a classic car policy you will save huge amounts on your premium compared to a standard policy.  The reason it is so cheap is that the risks are really quite minimal for the insurance company.

Your classic car policy will not cover you if your mileage goes over the allowed 5000 miles per year.  It will also not cover you if you use the vehicle for anything other than the designated pleasure class allowances.  There is no coverage if you are using your classic car on a race track, nor will it be covered if you leave your car parked outside overnight.  Classic vehicles must be stored in a secure covered garage for the insurance to be valid.

You are a breed of your own spending all that time and energy to keep the past alive.  Everyone who views these classic cars gets a moment of joy on reflections from the past.