| Anyone who owns a vintage vehicle or a collection of | | | | vehicles out for special events like auto shows or |
| enduringly stylish classic cars knows that a standard | | | | parades, but there are some drivers who enjoy |
| automobile insurance policy cant adequately cover | | | | taking the occasional drive outside of the umbrella |
| the specific needs of someone who drives a classic | | | | that these events provide. With an insurance policy |
| vehicle. A classic car owner is more likely than a | | | | that supports flexible usage, a driver can pay only for |
| standard driver to make a claim for repainting after a | | | | the coverage that he or she needs to cover his or |
| tiny scratch, for example; whereas a typical driver will | | | | her classic car driving habits. This means that a driver |
| be much more likely to get into a highway pile-up | | | | who enjoys a leisurely weekend afternoon of driving |
| than a classic car owner. The habits and requirements | | | | through town in his or her car will be able to do so |
| of the drivers who spends time behind the wheel of | | | | without risking the investment that the car |
| a classic 1950s Ford are obviously quite different | | | | represents, but also that a driver who only starts the |
| from those of a driver who gets around in a used | | | | engine during a special event will not have to pay |
| 1997 Taurus; so it makes plenty of sense that | | | | extra money for open road privileges that he or she |
| insurance companies would create policies specifically | | | | wont use. |
| for drivers who own vintage cars. | | | | In addition to what is and is not covered, there are |
| One of the most useful facets of many classic car | | | | many conveniences that a classic car owner can |
| insurance policies has to do with the idea of flexible | | | | enjoy by having classic car insurance instead of a |
| usage. This unique idea allows drivers to attain full | | | | standard auto policy. For one thing, having the agent |
| coverage at a variable rate depending on how often | | | | who is responsible for the policy be knowledgeable |
| they drive their car and in what situations. Most | | | | about and sensitive to the needs of classic car |
| drivers with antique automobiles drive their vehicles | | | | owners can save quite a bit of hassle and phone |
| over less than one thousand miles each year, but | | | | time. Vintage car collectors are understandably very |
| some collectors drive up to five thousand miles a | | | | selective about where they get their cars repaired, |
| year in their prized cars. Some drivers are extremely | | | | and often will be unwilling to let anyone but their |
| careful about distance because of its potential wear | | | | personally trusted mechanic look at their car. The |
| and tear on the vehicle, but just as many classic car | | | | reasons for this fact will be obvious to an agent who |
| enthusiasts are more concerned about what kind of | | | | understands the needs and desires of people who |
| situation they are driving in than how far they are | | | | own classic cars, but for an agent who is not |
| driving. | | | | experienced with these kinds of customers it can be |
| Many vintage car owners only take their precious | | | | a difficult fact to swallow. |