How to Get a Kit Car Insurance Quote

If you invested a lot of time and money in a kit car, an insurance quote to adequately protect your investment will require a little more effort and research than when insuring a vehicle you purchase off a new car lot. In fact, many insurance companies will not offer any type of policy on a kit car because of the difficulty in determining a value or other difficult to understand reasons. Fortunately, there are still a number of insurance companies that will insure your valuable kit car, and finding them is very simple. So, here is a handy how to guide on how to get a kit car insurance quote.

What You Will Need

• A personal computer
• An internet connection
• A kit car to insure
• Basic Internet research skills

Step 1 – Search for Insurance Companies

Use major online search engines like Bing, Yahoo and Google to find insurance companies that provide coverage for kit cars. To start your search, enter search terms like “kit car insurance” or “specialty car insurance” and click the search button. Then, choose from one of the most relevant links show to you by the search engine to visit websites for more information or to request car insurance quotes for kit cars.

Step 2 – Visit Specialty Car Insurer Websites

Visit websites like AmericanCollectorsInsurance.com or ClassicINS.com to request quotes directly from car insurance that provide coverage for specialty cars of all types - including kit cars. These types of companies understand the special needs of specialty car owners and also understand how kit cars are worth more than the price paid for the parts. These types of companies specialize in agreed value or negotiated value policies which will be crucial in adequately insuring your kit car vehicle.

Step 3 – Request Kit Car Insurance Quotes

Once you have found 4 or 5 specialty car insurance companies you feel can provide adequate coverage, you should request quotes from all of them. Also be sure to negotiate values for your kit car that are reasonable yet adequately compensate you in the event the car is completely destroyed or stolen. Have the companies submit the quotes to your e-mail inbox for ease of reference.

Step 4 – Compare the Quotes

Once all of the companies have submitted their quotes, carefully review each one and rate the quotes based not only on price—but on the quality of coverage and the agreed car value as well as any exclusions that may affect the coverage.

Step 5 – Choose the Best Deal

Once you've had a chance to review all of the policy quotes, choose the policy you feel offers the most coverage at the most affordable price.

Step 6 – Pay the Premium

After you've chosen the insurer, contact the company and ask about possible payment options. Also ask about discounts for paying the entire premium upfront. Once you have reviewed all of the available payment options, choose the one that is most convenient for you and pay the entire premium or the minimum required down payment to start coverage.

Step 7 – Receive Payment Confirmation

After you've submitted payment, you should receive a confirmation that can be printed off of the company website or sent to your e-mail inbox. Make sure to print this out and keep it for your records.

Step 8 – Receive Insurance ID Cards

You should receive a copy of the policy and your insurance ID cards in the mail within a few days. Make sure to keep the ID cards in the kit car vehicle and keep the policy contract in a safe place.