Classic cars come in all shapes and sizes. One category that is most significant to many people is that of classic American muscle cars. They are a vital part of the American car industry and had there not been for them, no one knows what could have happed to cars in the US. Consequently, this means that having the proper muscle car insurance is an absolute must for everyone who owns such a car. But it is not that simple. There are some important facts you need to know before you choose the optimal insurance for your beloved muscle car. Let us take a look at what makes them so different than regular and everyday cars.
To begin with, the most important thing you need to know is that muscle car insurance tends to be quite lower compared to regular everyday cars. The reason behind this is in fact fairly simple. Everyday cars are, quite obviously, driven every day. On the other hand, classic and muscle cars are not. People usually take them out for a ride couple of times a month, if the weather conditions allow them to. Consequently, the chances of you being involved in a car accident are significantly reduced.
Since every insurance provider has different rules and requirements, it is not always easy to choose the best one. And you know you have to choose such company because you basically protect your investment and the longevity of your muscle car. Here is a list of some of the best insurance companies out there: American Collectors, American Modern, Classic Collectors, Condon Skelly, Grundy, Hagerty, Heacock, J. C. Taylor, Farmer`s, Safeco and State Farm.
Another factor that is important to know about classic and muscle car insurance is to know if your car classifies as such. Simply having an old car does not make it a classic car. They tend to be divided into two categories. A car that 10 to 20 years old is considered a classic and if it is 25 to 30 years old it is an antique car. Moreover, you have to make sure that the car is either a hot rod or modified in any way, it is a muscle car or it is an exotic or luxury truck and vehicle.
Finally, it is worth knowing that the better you take care of your muscle car over the years, the better your car insurance will be. Having a beaten down car that does not look appealing at all means that the car insurance is going to be worse. Imagine seeing a muscle car in the perfect shape and an owner who takes good care of it, quite obviously you are going to get a great deal!
At the end of the day, car insurance companies want to make some profit too. This is the main reason why they exist. So, if you are looking for the perfect muscle car insurance, you might not find it. However, you might find one that suits your needs the best!
