Do you know what does Rowan Atkinson (of Mr. Bean fame) have in common with every other person reading this article? No? Give up?
It’s the love for classic cars.
They all mean something different for everyone. Some love them for the nostalgia. Other people connect them to a golden era. Some others find in them the luxury and elegance that today’s cars have lost. In any case, getting a classic car is a dream for many and a reality for a few.
However, no matter what fantasies classic cars make us dream, we have to deal with reality, and that means getting an insurance policy for our classic cars. In fact, seeing how much we love them, getting insurance for a classic car is even more important than getting it for a normal car.
Classic Auto Insurance in California
Nevertheless, don’t worry. In reality (and in the great state of California), insurance prices for classic cars are quite affordable. That’s because insurance companies assume (and mostly rightly so) that people will take much better care and drive less a classic car than a regular car. Plus, as a rule, people who have a classic car also have a regular car to do their “dirty driving,” so the classic car is only used for leisure driving (and to show it off, of course). And then there are those people who don’t use their classic car at all, but even I think that’s too extreme.
However, there are two things to take into consideration when getting insurance for a classic car.
- It’s better to work with a competent company than with a cheap company. When it comes to classic cars, you don’t want to save money on insurance. If you already have a good experience with the insurance company that handles the insurance for your regular car, especially if you’ve actually seen how they handle accidents, then keep with the same company and don’t look for a cheaper price. On the other hand, if the service has been less than stellar, get another option.
- Get a company that will take an agreed and guaranteed valuation of the car. This is what you will get if the car is stolen. Make sure that they agree to a new valuation in a fixed period of time, as classic cars, unlike regular cars, increase in value with time. Make sure that any extras are included.
These will increase your premiums, of course, and may even cause you some costs, but really, it pays when you go around town in your classic car and not having to worry about anything else than random people taking you photos.