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How To Get Cheap Auto Insurance In Florida | Whateven
How To Get Cheap Auto Insurance In Florida

By: @DaisyAndrew


#1

When it comes to vehicles, classic cars are absolutely at the top of the pyramid, with their amazing features setting them far apart from the rest of the crowd. Unfortunately, as is typical for anything that attracts attention, classic cars tend to attract a decent share of thieves and vandals. 

Additionally, because classic cars are rare and tend to be expensive, many large "major player" insurance companies and agents will not even offer insurance for them. But just because it can be mildly difficult to find the right kind of auto insurance in Florida for your classic car that does not mean that you can simply drive around without any insurance. Many states require that your vehicle be insured, and you can face serious fines if you are caught driving without adequate insurance coverage.

Get the right insurance

Finding the right kind of insurance for your classic car is going to take a little bit of time, and a lot of research. Even more research will be involved if you are set out to find the cheapest available antique and classic car insurance available. There are car insurance companies out there which specialize in insurance options for antique and classic cars.

Additionally, there are large automobile insurance companies which offer specialized insurance including antique and classic car insurance, but you will have to do a decent bit of searching in order to find them. It is important that you weigh a lot of different options, because the costs associated with antique and classic car insurance can vary wildly depending on which automobile insurance provider you go with.

Things of concern

It is also important that you determine what each insurance company will value your classic car at, in order to make sure that you are going to be insured for the full value of your car. Traditional car insurance values the car at the cost to replace it, minus any depreciation that it has experienced. This is what sets antique and classic car insurance apart from traditional car insurance. With antique and classic car insurance, the value of your vehicle is typically an agreement made between you and the insurance provider. This way, you will not lose a serious investment in the event that your vehicle is ever totaled in an accident, or stolen and never recovered.

Agreed Value Policy

The absolute best option for you to pursue when it comes to automobile insurance for your classic car is called an agreed value policy. Before this type of policy is purchased, you are required to sit down with an agent with the insurance company in order to come to a concrete agreement for the value of your vehicle. If your vehicle is ever totaled or lost, this amount will be paid by the insurance company. 

This is also the point where you will receive a quote for the monthly payment. Another thing that sets antique and classic car insurance apart from traditional car insurance is the fact that antique and classic car insurance premiums are typically significantly smaller than what you will pay for traditional car insurance. However, not just anyone can acquire antique and classic car insurance, so before applying you should make sure you qualify for all of the following criteria:

Many antique and classic car insurance policies require that you meet a specific age limit. This is to ensure that the drivers on the policy have adequate driving experience and are not in jeopardy of causing an accident. For more information, you can visit www.carbestinsurance.com. This makes it difficult for young and new drivers to acquire automobile insurance, even if they are driving an antique or classic vehicle.

 

 

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