Insuring Your Oldie

Do you have classic babysitting in your garage, waiting patiently for sunny days when you roll down the road with the top down and the oldies pumping through the speakers? Maybe you use it more often. It's difficult to escape the allure of using a classic car as a daily driver. If you fixed it up yourself, you'll want to show it off to the world as a testament to your skill. Maybe you'll even drive it up the coast or across the country to car shows. When using a classic car to its full potential, its easy to see why you'd want to have it covered under a good insurance policy. You'll want your baby taken care of if--heaven forbid--something were to happen to it. However, even if you only use your car on rare occasions and keep it stored and in tip-top shape, it's always important for it to be covered by an insurance policy.

If you're worried about the cost of insuring a vehicle after you just spent all that time and money of fixing it up, keep in mind that using a vehicle on rare occasion is likely to net you a reduction in rates. The cost often has a lot to do with the mileage you plan to add to it per year and the overall value of the classic car. This value is agreed-upon by the driver and the insurance agent. While a typical coverage for a car will result in either a payout or a new car should it be totaled or stolen, collector cars are more difficult to replace. Nothing will give back all that hard work you put into finding and fixing up that old classic, but hopefully the payout will enable you to start fresh. Oftentimes, you can even reduce your rates during the colder months when the car is in storage.

Many of us carry a collection of tools in our classic cars for tinkering on the road and making that engine purr the way it should. When deciding on your insurance coverage, be sure the agency is aware of the value of the tools in the car, should they be stolen along with the ride. Again, like a classic car, many tools have sentimental value, having been passed down from generation to generation. While the agency can never replace this nostalgia, they can at least help you get a new start.

Sometimes, the car and tools aren't stolen or destroyed. Sometimes a classic engine will be grumpy and refuse to cooperate. Even the best mechanics meet their match sometimes. When this happens, a good car auto insurance San Diego Company will offer roadside assistance to get you both home.