There’s That Mustang

Antique cars have garnered respect in the automotive industry over the years. Antique cars have been around for generations and their price goes higher the older they get. Generally, antique cars are viewed as collector’s items and it can be a shock to know just how much some people will pay in order to acquire an antique car.

Most of the antique cars out there do not have a set price. They are usually sold at a starting price at an auction and their price goes higher as the bids for them go higher as well. Many car collectors would not think twice about paying more than high prices in order to own an antique car. Some of these antique cars can go as high as one million American dollars.

The prices of these types of cars are often in a much higher range than the prices of regular cars. You need to keep in mind, however, that not all cars that are old are classified as expensive antiques. For a car to be considered a true antique, it must have a prestigious quality to it that makes it sought out by car enthusiasts.

If you are in search of an antique car and want to know how much it would cost you, you can browse through the internet. Many websites feature and sell antique cars, and pertinent information about them are available online. Pictures of these antique cars are also posted so that you know just what the antique cars for sale, look like.

You may also find some books that are geared towards cars and antique cars. These may also have the prices of the cars being featured, so these books are worth checking out as well.

You must be aware of the dates of publication of what you are reading, no matter what source you get the information from. Prices are constantly changing, so you need to be sure that your information is not outdated.

If you own a classic car, you know you must have car insurance, but the insurance needs for your classic car are not the same as for your every day car. For your classic car, you will want specialty insurance. Just as your classic car is different from your daily car, specialty insurance differs from stand insurance in some very important ways.

Specialty insurance is available for a wide variety of collectible cars, from antique autos to restored muscle cars to custom cars. While regular insurance is required for every car on the road, custom cars aren’t required to have to have specialty insurance, even though the car may not be fully covered under a standard policy.

Antique car insurance covers cars that may have restrictions in regular car insurance, but not every car that is antique or modified will qualify for specialty insurance. Standard insurance is available for all cars, but cars must meet certain criteria to be covered by specialty insurance. Cars that are over 25 years old used to be considered collectible, but that is not the case now. Just because your car is 30 years old doesn’t mean that it will qualify for specialty insurance.

To qualify for specialty insurance a car must have certain specific characteristics. Some of the characteristics are unique body shapes, muscle cars, German sports cars, convertibles and big block V8 engines. To qualify as a “classic car” by law the vehicle must be at least 25 years old. Your local BMV can aid you determine your car’s eligibility.

Some of the other types of vehicles that may qualify for vintage car insurance coverage are older trucks, older fire trucks and other commercial vehicles and hot rod cars that have been fitted with hydraulic suspension systems. Classic motorcycles like the Indian Chief and the older Harley Davidsons can also be insured with a specialty policy.

If you determine that your car qualifies for antique car insurance, there are some restrictions and differences from traditional insurance that you should know about. Regular insurance is designed to protect cars that are daily drivers and are often put in situations where damage can occur. Antique car insurance often places restrictions on the use of the collectible cars to limit the chance that the car will be damaged.

Many specialty insurance policies restrict daily use of the car. Classic car insurance policies also usually state that the cars must be kept in a garage at all times. These measures mitigate the risk that an expensive classic car will be involved in an accident. These requirements help keep premiums for specialty insurance substantially lower than normal insurance premiums.

Finally, another change from traditional insurance and specialty car insurance is the types of policies offered. In traditional insurance, vehicles that have been in an accident will either be repaired or will be totaled and a check will be issued to the owner for the actual cash value. Vintage car insurance policies can be purchased for “Agreed Value.” An agreed value policy ensures car owners that they will receive a prior agreed upon amount in the event of an accident. An agreed value policy does not depreciate a car’s value in contrast to actual cash value policies and stated value policies.

by Deepak Kulkarni

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If you have an older car worth in range $1000 - $2000, you might be better off dropping the collision coverage. Check to see if your collision premium is more than the value of the car.

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