If you have a classic or custom car, chances are that you'll be looking for cheap classic custom car insurance, too. There are many companies that specialize in insuring custom cars, although some of them do have restrictions on driving them. This can often limit you to using your car for shows or limited neighborhood driving. Others will be more generous in their allowance. However, there are several ways that you can find cheaper classic custom car insurance. Follow these tips and you’ll find it much easier to obtain coverage, as well as finding yourself paying a lower premium.
Tip #1 - Storing Your Custom Car
If you store you custom car securely, you’ll be able to significantly lower your premium. The ideal solution is to keep your car on your own property in a garage with secure locks. If you live in an area that’s prone to crime, put an alarm on your garage as well as your vehicle.
There should not be windows on your garage, as this helps prevent potential thieves from seeing that you have an item of value in there. Windows also allow thieves and vandals easier access to your vehicle.
Tip #2 - Limit Your Driving
You’ll cut your insurance premium if you limit the amount of driving in your custom car. Some companies do specify how much you can use your custom car, while others offer unlimited driving at higher premiums.
If you use your car to drive to and from car shows, or just for occasional short tips, you’ll pay a lot less for your insurance. You shouldn’t use your custom car as a daily vehicle or you won’t be able find cheap insurance anywhere.
Tip #3 - Driving Experience
The more driving experience you have, the cheaper your insurance will be. You should have at least 9 years' driving experience before attempting to find cheap classic custom car insurance. This also applies to any other drivers who will use the car. Companies are reluctant to insure young drivers for custom cars and often, they will only take those who have long and safe driving records.
Tip #4 - Ask Friends
If you have friends who own custom cars, ask them about their insurance and obtain recommendations. Although price is important, you also need to know how the companies stand on customer service and dealing with claims. Also find out if the company has agreed value coverage. This ensures you’ll receive the full value of your vehicle in the event of a write-off.
Tip #5 - Ask Organizations
If you belong to any organizations, check to see if they offer cheap insurance for custom cars. You might obtain an additional discount for being a member of the organization, too!
Tip #6 - Research
The more you research, the better quote you’ll receive and you’ll be certain to find cheap classic custom car insurance. Most companies, even those that specialize in custom cars, have websites that will offer instant classic car insurance quotes. You can also try established companies such as State Farm.
When you research the company, don’t limit yourself to a quote and an examination of their services. Check with insurance organizations and the Better Business Bureau to make sure there are no ongoing complaints against the company.